RBL Bank Paisabazaar Duet Credit Card
RBL Bank · Open to apply
A no-fee cashback card sourced through Paisabazaar: 1% cashback on eligible retail and online spends, up to ₹500 a calendar month, with a lending line ("Xpress Cash") inside the card limit.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- 1% cashback on retail outlet and online spends (up to ₹500 a calendar month): 1% cashback (about 1% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No cashback on fuel and auto, utilities, insurance, quasi-cash and cash, rent, education, wallets, government services and EMI conversions
- No cashback on railways
Where the sources disagree
- cutoff date of the ₹500 fee cohort: The product page and MITC say cards onboarded before September 1, 2021 pay ₹500; the schedule of charges says "issued before Sep 10, 2021". Both only affect old cards; not modelled.
Terms the calculator does not value
- Cards onboarded before 1 September 2021 (the RBL Bank Paisa on Demand cohort) pay ₹500 + GST a year; the card is modelled at the nil fee a new applicant pays.
- Contracted services, miscellaneous (5960) and Bills2Pay are excluded from cashback but are not spend categories of ours, so the calculator still pays 1% on them.
- Xpress Cash loans (the card's credit-line facility) carry an interest rate and processing fee shown only in the app; not valued.
Sources
- RBL Bank, Paisabazaar Duet Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank Paisabazaar Duet Credit Card Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank MITC cum Key Fact Statement for Credit Cards (PDF modified 2026-08-20) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- RBL Bank, Schedule of Charges for credit cards, RBL-CC-SOC-V2-04-06-2026 (Schedule of charges, the bank's own, read 6 Nov 2026)