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RBL Bank Paisabazaar Duet Credit Card
A lifetime-free, Paisabazaar-exclusive digital card pairing flat cashback with an instant-credit-line feature — simple, but the cashback cap is low.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: Not offered
- International lounge access: Not offered
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: Not offered
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500, per RBL's standard cash advance fee
Benefits
- Flat 1% cashback on all online and offline spends, capped at ₹500/month
- Doubles as an instant line-of-credit — transfer available card limit directly to your bank account
Pros
- + Completely fee-free for life
- + Simple flat 1% cashback, no category tracking needed
- + Doubles as an instant cash line-of-credit
Cons
- − Cashback capped at just ₹500/month
- − Only available via the Paisabazaar platform
- − No lounge, travel or milestone perks