Synopsis: RBL Bank provides a wide range of credit cards, whether you are looking for shopping, travel, or dining. This article highlights the RBL Bank Paisabazaar Duet Credit Card, along with its features, benefits and a detailed overview of the card.
When you start using a credit card regularly, you realize that the real value depends on how simple it is to earn and use the benefits. Many cards offer rewards, but the rules are often confusing and hard to track.
The RBL Bank Paisabazaar Duet Plus Credit Card avoids this problem by focusing on direct cashback on common spending categories making it easier for users to understand what they earn and how they benefit.
RBL Bank Paisabazaar Duet Plus Credit Card
- Joining Fee: ₹1499 + taxes
- Annual Fee: ₹1499 + taxes
- Card Type: Cashback / Rewards
- Best Suited For: Everyday spending
Fees & Charges:
- Fee Waiver Condition: The annual fee is waived on spending above Rs 4 lakh per year.
- Interest Rate: up to 3.99% per month
- Late Payment Fee: Depends on the outstanding amount. Can go from ₹5 up to ₹1,300.
- Over Limit Fee: Penalty of Rs 600
- Rent Payment Fee: 1% of the transactional amount
- Cash Withdrawal Fee: 2.5% of the amount withdrawn or a minimum Rs. 500
- Foreign Currency Markup: 3.5% of the amount
Eligibility: The applicant must be an Indian citizen and at least 21 years with a stable income. The minimum requirement for a salaried person is Rs 20,000 and for a self-employed person is 3 lakh p.a. A good credit score between 750-900 is also required.
Welcome Benefits: RBL offers ₹250 cashback if you manage to pay the annual membership fee within 30 days of card issuance.
Also Read: Gaj Credit Card: IDFC FIRST Bank Launches Zero Forex Credit Card With Exciting Benefits and Rewards
Reward Structure / Cashback
With this card, you get cashback on what you normally spend. You earn 2.5% cashback on travel and dining and 1% cashback on other purchases capped at ₹500. Out of this, ₹200 comes from travel and dining, and the remaining ₹300 comes from other spends. The cashback is directly deposited into your card account so you don’t need to convert or redeem points separately.
Key Benefits & Perks
- Up to 2.5% cashback on all spends on travel and dining (max. Rs 200)
- 1% cashback on all other eligible spends, capped at Rs 300
- You can earn maximum cashback up to Rs 500 per calendar month
- Cardholders can avail ‘Xpress Cash facility’ available on the RBL MyBank mobile app to get instant cash within 3-4 working days.
Fuel Surgecharge Waiver: Get up to Rs 100 per month on fuel transactions on spending Rs 500-4000.
Entertainment Benefits
- Avail 1+1 BookMyShow offer on tickets for weekend shows
- Get up to Rs 200 off per billing cycle month
Who Should Get This Card?
You should consider this card if you want a cashback credit card that is easy to use and easy to manage. It suits you if you spend regularly on travel and dining and prefer cashback credited directly to your card instead of tracking reward points. This card is ideal if you want steady monthly savings rather than premium or luxury benefits.
FAQs
No, the annual fee is Rs 1499+GST. The fee can be waived if you spend above Rs 4 lakh annually.
Yes, it is suitable for anyone who wants a simple cashback card with no hard rules.
No, the card does not provide any lounge access.
Written by Supriya
