RBL Bank Paisabazaar Duet Plus Credit Card

Joining Fee

₹1,499

Annual Fee

Rs. 1499 (Reversed on annual spends of Rs. 4 Lakhs)

Cashback
Lifestyle
Fuel
Best For: Users who prefer simple cashback over reward points, Regular movie-goers, Those needing occasional quick loans against credit limit

RBL Bank Paisabazaar Duet Plus Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹500 /monthly

Pros

  • No points complexity – straightforward cashback
  • Movie 1+1 benefit every month via BookMyShow
  • Fuel surcharge reversal up to INR 100/month
  • Xpress Cash instant loan facility within credit limit
  • Annual fee waiver on INR 4 lakh annual spend
  • Welcome cashback of INR 250

Cons

  • Overall cashback capped at only INR 500 per month
  • Annual fee of INR 1,499 + GST
  • Many MCC categories excluded from cashback
  • Fuel transactions excluded from cashback earning

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Maximum cashback capped at INR 500/month (INR 200 travel & dining + INR 300 others)

Large number of MCC categories excluded from cashback including fuel, utilities, insurance, railways, education, wallets, government services

Fuel spends excluded from cashback and also excluded from annual fee waiver spend calculation

Annual fee waiver spend threshold excludes many categories

Key Benefits & Features

Welcome benefit of INR 250 cashback on making first purchase within 30 days and paying annual fee by due date

Notable Exclusions

No cashback on Fuel & AutoNo cashback on UtilitiesNo cashback on InsuranceNo cashback on Quasi-CashNo cashback on RailwaysNo cashback on Real Estate/RentalNo cashback on EducationNo cashback on Wallets/Service ProvidersNo cashback on Government ServicesNo cashback on Contracted ServicesNo cashback on Cash transactionsNo cashback on MiscellaneousNo cashback on Bills2Pay utility bill payments via RBL MyCard/MyBank App or Internet Banking

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.

About RBL Bank Paisabazaar Duet Plus Credit Card

The RBL Bank Paisabazaar Duet Plus Credit Card is a straightforward cashback card built on the Mastercard network, designed for those who prefer direct savings over complex reward points systems. Available at an annual membership fee of INR 1,499 plus GST, the card delivers returns worth over 8 times its annual fee, making it a value-driven option for everyday spenders. New cardholders receive a welcome cashback of INR 250 upon making their first purchase within 30 days of card issuance and paying the annual fee on time. The card's cashback structure rewards cardholders with 2.5% cashback on travel and dining transactions and 1% on other eligible purchases, with a combined monthly cap of INR 500. Movie enthusiasts benefit from a BookMyShow 1+1 offer on weekend shows once per billing cycle, with savings of up to INR 200. Fuel users enjoy a surcharge reversal of up to INR 100 per month on transactions between INR 500 and INR 4,000. Beyond everyday spending, the card offers financial flexibility through the Xpress Cash facility, allowing cardholders to transfer funds directly to their bank account against their credit limit in easy EMIs. The annual fee is waived for cardholders who achieve spends of INR 4 lakhs or more in a membership year, adding further long-term value.

Expert Review

Our Verdict

Simple cashback card with movie & fuel perks plus instant loan facility via Xpress Cash.

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