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.

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.

Frequently Asked QuestionsAbout RBL Bank Paisabazaar Duet Plus Credit Card

FEESWhat is the joining and annual fee for the RBL Bank Paisabazaar Duet Plus Credit Card?
The RBL Bank Paisabazaar Duet Plus Credit Card comes with a joining fee of ₹1,499 + GST and an annual membership fee of ₹1,499 + GST. However, the annual fee for the forthcoming year is waived off if you spend ₹4 lakh or more in the previous membership year. Note that spends on certain excluded merchant categories (such as fuel, utilities, insurance, railways, etc.) do not count towards the annual fee waiver threshold.
FEESHow can I get the annual fee waived on this card?
The annual fee for the upcoming year is waived if you spend ₹4 lakh or more in the previous membership year. However, purchases made in excluded Merchant Category Codes (MCCs) — such as fuel, utilities, insurance, quasi-cash, railways, real estate, education, wallets, government services, contracted services, cash transactions, and Bills2Pay — do not count toward this spend threshold. Ensure your qualifying spends meet the ₹4 lakh target to enjoy the fee waiver.
BENEFITSWhat is the welcome benefit on the RBL Bank Paisabazaar Duet Plus Credit Card?
New cardholders receive a welcome cashback of ₹250. To avail this benefit, you must make at least one card purchase within 30 days of card issuance and pay the annual membership fee by the payment due date. The cashback will be credited to your card account within 2 weeks of the purchase settlement date and can be viewed in your monthly credit card statement.
REWARDSWhat cashback rates does the RBL Bank Paisabazaar Duet Plus Credit Card offer?
The card offers 2.5% cashback on all travel and dining transactions and 1% cashback on other eligible purchases. The maximum cashback you can earn is capped at ₹500 per calendar month — with travel and dining cashback capped at ₹200 and all other purchases capped at ₹300. Cashback is credited to your card account within 2 weeks of the purchase settlement date and is visible in your monthly statement.
REWARDSWhich transaction categories are excluded from earning cashback?
Several merchant categories are not eligible for cashback, including: Fuel & Auto, Utilities, Insurance, Quasi-Cash transactions, Railways, Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash withdrawals, Miscellaneous (MCC 5960), and Bills2Pay transactions made via RBL MyCard App, RBL MyBank App, or Internet Banking. Always check the MCC of the merchant before transacting if you wish to earn cashback.
BENEFITSWhat is the movie benefit offered on this credit card?
The RBL Bank Paisabazaar Duet Plus Credit Card offers a 1+1 (Buy One Get One) offer on BookMyShow for movie tickets on weekend shows. This benefit is available once per billing cycle month, with a discount of up to ₹200. To avail this offer, you need to follow the specific instructions provided by BookMyShow and RBL Bank for using this benefit at the time of booking.
BENEFITSDoes the card offer any fuel benefits?
Yes, the RBL Bank Paisabazaar Duet Plus Credit Card provides a fuel surcharge reversal of up to ₹100 per month. This benefit is valid on fuel transactions between ₹500 and ₹4,000. The cumulative surcharge reversal benefit will be reflected in your monthly credit card statement. Please note that while you receive surcharge reversal, fuel transactions are excluded from earning cashback on this card.
BENEFITSWhat is the Xpress Cash facility available on this card?
The Xpress Cash facility allows you to avail an instant fund transfer (loan) within your credit card limit. You can access it via the RBL MyBank Mobile App by clicking on 'Get Instant Cash', entering details like loan amount and tenure, reviewing the EMI, interest rate, and processing fee, and providing your bank account details. The amount is credited within 3–4 working days. You pay interest only on the amount used, not the entire credit limit, and can repay in easy EMIs.
OTHEROn which network does the RBL Bank Paisabazaar Duet Plus Credit Card operate?
The RBL Bank Paisabazaar Duet Plus Credit Card operates on the Mastercard network. This means it is accepted at millions of merchants globally wherever Mastercard is accepted. All MCC (Merchant Category Code) categories referenced for cashback eligibility and exclusions are defined as per Mastercard, Visa, and RuPay guidelines.
OTHERIs there a co-brand partner involved with this credit card?
Yes, the RBL Bank Paisabazaar Duet Plus Credit Card is a co-branded credit card issued in partnership with Paisabazaar Marketing and Consulting Pvt Ltd. There is a revenue-sharing arrangement between RBL Bank and Paisabazaar.com for this card. The digital lending app associated with this card is the RBL MyBank Mobile App. Details of activities engaged by the co-brand partner are available on the RBL Bank website.
REWARDSDoes the RBL Bank Paisabazaar Duet Plus Credit Card offer any rewards points?
No, the RBL Bank Paisabazaar Duet Plus Credit Card does not offer reward points. Instead, it follows a straightforward cashback model — you earn direct cashback on eligible purchases without the complexity of accumulating and redeeming reward points. Cashback is automatically credited to your card account within 2 weeks of the purchase settlement date, making it simple and hassle-free.
CANCELLATIONHow do I report loss or unauthorized use of my RBL Bank Paisabazaar Duet Plus Credit Card?
If your RBL Bank Paisabazaar Duet Plus Credit Card is lost or you notice any unauthorized transactions, you should immediately report it through RBL Bank's official channels. You can contact RBL Bank's customer service, use the 'Report Loss or Unauthorised Use of Credit Card' option available on the RBL Bank website, or reach out via the RBL MyBank Mobile App. Prompt reporting helps protect you from further fraudulent transactions on your account.
OTHERHow can I raise a grievance or complaint about the RBL Bank Paisabazaar Duet Plus Credit Card?
For any grievance related to the RBL Bank Paisabazaar Duet Plus Credit Card, you can reach out to RBL Bank as per their Customer Grievance Redressal matrix available on their official website. If your issue remains unresolved, you may escalate it to the Nodal Officer. Additionally, you can visit the RBI Sachet Portal for regulatory complaints. RBL Bank provides multiple channels including online queries, customer service contact, and branch visits for resolving issues.
INTERNATIONALCan I use the RBL Bank Paisabazaar Duet Plus Credit Card for international transactions?
The RBL Bank Paisabazaar Duet Plus Credit Card runs on the Mastercard network, which is accepted internationally. However, the forex markup rate for this card is not publicly disclosed on the official page. It is advisable to check the Schedule of Charges on the RBL Bank website for applicable foreign currency transaction fees before using the card abroad. Certain international MCC categories may also affect cashback eligibility.
USAGEHow do I activate or set a PIN for my RBL Bank Paisabazaar Duet Plus Credit Card?
You can set or activate your RBL Bank Paisabazaar Duet Plus Credit Card PIN online through the RBL Bank website under the 'Set Your Credit Card PIN' option available in the Credit Cards section. Alternatively, you can use the RBL MyCard Mobile App or RBL MyBank App to manage your card settings, including PIN setup and card activation. These self-service options allow you to manage your card conveniently without visiting a branch.

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