RBL Bank Paisabazaar Duet Plus Credit Card

Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in dining, travel. Its annual fee waives if you can comfortably clear the spend threshold.

• Movie & dining: 2.5% cashback on dining spends (capped with travel at ₹200/month); 1+1 BookMyShow offer on weekend shows once a month
• Rewards rate: 1% base rate
• Travel: 2.5% cashback on travel bookings, capped at ₹500/month
• Domestic lounge access: Not offered
• International lounge access: Not offered

• 🍽️ Dining & food delivery

  2.5% reward rate (capped ₹200/monthly) · 2.5% cashback on travel and dining, 1% on everything else

• ✈️ Travel

  2.5% reward rate (capped ₹200/monthly)

• ⛽ Fuel

  Fuel surcharge reversal of up to ₹100 a month on ₹500–₹4,000 transactions

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 720
• Minimum monthly income: ₹35,000
• Employment: salaried, self-employed
• Age: 21–60

• Spend-based waiver: Waived on annual spend of ₹4,00,000
• Foreign currency markup: 3.5%
• Interest rate: 42% p.a.
• Fuel surcharge waiver: 1% fuel surcharge reversal up to ₹100 per month on fuel transactions between ₹500 and ₹4,000
• Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500, per RBL's standard cash advance fee

• ₹250 cashback on first purchase within 30 days of issuance and payment of the annual fee
• Retains the instant line-of-credit feature — transfer available card limit to your bank account
• 2.5% cashback on travel and dining, 1% on everything else
• 1+1 BookMyShow offer on weekend shows once a billing month (up to ₹200 off)
• Fuel surcharge reversal of up to ₹100 a month on ₹500–₹4,000 transactions