RBL Paisabazaar Duet Plus Mastercard Credit Card
RBL Bank
Last updated: Feb 03, 2026
₹1,499
₹1,499
1.99%
No lounge access
Contents
A dual-purpose credit card that combines everyday cashback with an instant credit-line feature. It delivers straightforward cashback on all spends, enhanced dining and travel benefits, and simple redemption as statement credit. Ideal for users who want easy-to-understand rewards plus emergency access to funds.
Features of RBL Paisabazaar Duet Plus Mastercard Credit Card which makes it unique
Dual Function (Card + Credit Line)
Card can be used like a credit card and to access a short-term credit line
Emergency liquidity
Distinct from standard cashback-only cards
Statement-Credit Cashback
Cashback usually posts as statement credit, avoiding complex redemption
Simple value realization
Easier than points-redemption systems
Rewards Structure of RBL Paisabazaar Duet Plus Mastercard Credit Card
Dining and travel
acceleratedDining and travel merchants
Base
baseAll merchants
Milestones of RBL Paisabazaar Duet Plus Mastercard Credit Card
Annual Spend Milestone
₹4,00,000 : Annual fee waiver
Fees & Charges of RBL Paisabazaar Duet Plus Mastercard Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,499 |
| Annual Fee | ₹1,499 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waived on ₹4,00,000 annual spend in the previous year.
Fee Explanation Standard RBL Bank fees and interest apply on overdue amounts and cash advances; refer to bank schedule for exact APRs and charges.
Detailed Explanation of RBL Paisabazaar Duet Plus Mastercard Credit Card Fees
Joining Fee: 1499 (one-time)
Chargeable at issuance; may be refunded if cancelled within bank T&C
Annual Fee: 1499 (yearly)
Waived on ₹4,00,000 annual spend
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300
Lounge Access Benefits with RBL Paisabazaar Duet Plus Mastercard Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
No complimentary domestic lounge access by default
Insurance Coverage with RBL Paisabazaar Duet Plus Mastercard Credit Card
transaction protection
As per RBL rewards policyLimited purchase protection subject to T&C
Additional Features of RBL Paisabazaar Duet Plus Mastercard Credit Card
Xpress Cash
Convert available credit limit to bank transfer instantly via app
Subject to eligibility and bank limits
Contactless Payments
Tap and pay enabled
Welcome Bonus with RBL Paisabazaar Duet Plus Mastercard Credit Card
Welcome Bonus: ₹250 cashback
Bonus Conditions: Welcome cashback available for new cardholders after first eligible transaction(s); T&C apply.
Application Process for RBL Paisabazaar Duet Plus Mastercard Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via the RBL Bank or Paisabazaar portal
Complete KYC and upload required documents
Receive verification call or OTP verification
Card dispatched within 5–7 business days if approved
Required Documents for RBL Paisabazaar Duet Plus Mastercard Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
RBL Paisabazaar Duet Plus Mastercard Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Mastercard is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL Paisabazaar Duet Plus Mastercard Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must have a valid PAN and Aadhaar; eligibility subject to bank verification.
How Approval Is Decided
- Minimum income as specified (salaried: ₹25,000/month typical guideline)
- Indian resident with valid PAN and Aadhaar
- Credit score typically above 700
Pros of RBL Paisabazaar Duet Plus Mastercard Credit Card
- Straightforward cashback model
- Emergency credit-line feature (Xpress Cash)
- No complex reward redemption for basic cashback
Cons of RBL Paisabazaar Duet Plus Mastercard Credit Card
- Annual fee applies on Duet Plus variant
- Fewer premium lounge or travel benefits compared with high-end cards
Frequently Asked Questions about RBL Paisabazaar Duet Plus Mastercard Credit Card
Is there a joining fee?
Yes. The Duet Plus card typically carries a joining and annual fee of ₹1,499 (plus GST). Fee waiver conditions may apply.
What welcome benefit do I get?
You receive a one-time welcome cashback (approx. ₹250) as a statement credit after meeting the initial spend criteria.
How much cashback does the card offer?
The card offers flat cashback on all spends (typically ~1%) with higher cashback rates on dining and travel where specified.
What is Xpress Cash?
Xpress Cash allows eligible cardholders to transfer a portion of their credit limit to their bank account as an instant cash facility via the RBL app.
How do I get the annual fee waived?
The annual fee for Duet Plus is generally waived if you meet the annual spend threshold (commonly ₹4,00,000 in the previous year).
How is cashback credited?
Cashback usually posts as a statement credit or reward points per the bank's rewards posting cycle; check monthly statement for details.
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