Earn Cashback with RBL Paisabazaar Duet Credit Card

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

19 Feb 26
5 mins

Shreyansh Singh

08 Mins
19-02-26

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Table of Contents

RBL Paisabazaar Duet Credit Card Advantages
How to Access Xpress Cash with RBL Paisabazaar Duet Credit Card?
RBL Bank Paisabazaar Duet Credit Card Charges
How Can You Raise a Complaint or Query for the RBL Bank Paisabazaar Duet Credit Card?

Earn 1% cashback on eligible retail expenses.
Xpress Cash is available for transfers above ₹3,000.
Nil annual fee for post-September 2021 applicants.
Add-on cards are available at an additional cost of ₹200.

The RBL Paisabazaar Duet Credit Card is designed for simple rewards and flexible access to funds. It offers 1% cashback on eligible retail transactions, with a clear monthly cap and transparent settlement process.

Beyond rewards, the card also provides access to Xpress Cash, which allows instant fund transfer from your pre-approved limit. For customers who applied after 1st September 2021, the annual fee is nil, which makes it a low-cost cashback option.

Interested in the details? Keep reading.

RBL Paisabazaar Duet Credit Card Advantages

The RBL Paisabazaar Duet Credit Card offers 1% cashback on eligible retail purchases made at physical stores and online platforms, limited to a monthly cashback of up to ₹500. To qualify, each transaction must be at least ₹100.

The credited amount appears in your credit card statement within 2 weeks after the transaction settles. Only settled retail transactions qualify for cashback calculation.

Example of Cashback Calculation:

Transaction Date	Expenses	Amount (₹)	Cashback Earned (₹)
4th December	Groceries	10,000	100
15th December	Restaurant	25,000	250
20th December	Electricity Bill	4,000	Not Eligible
21st December	School Fee	10,000	Not Eligible
25th December	Hotel Stays	15,000	150

The total eligible expenditure is ₹50,000, and the total cashback earned is ₹500. Since the monthly cap is ₹500, the full amount gets credited to your bank account.

How to Access Xpress Cash with RBL Paisabazaar Duet Credit Card?

Access Xpress Cash with RBL Paisabazaar Duet Credit Card by logging in to the RBL MyCard Mobile App, selecting "Get Instant Cash." You can borrow any amount above ₹3,000, up to your available credit limit.

Through the Xpress Cash facility, you can transfer a portion of this limit directly into your bank account as an instant loan. Funds are credited within 3-4 working days, offering flexible EMI repayment. The RBL Paisabazaar Duet Credit Card limit is pre-approved.

How to Transfer Funds?

To transfer funds, download the RBL MyBank Mobile App on your smartphone. Then follow these simple steps:

Step 1: Register your RBL Paisabazaar Duet Credit Card.

Step 2: Choose the Xpress Cash option.

Step 3: Put in the amount you wish to transfer.

Step 4: Choose the bank account to which funds should be credited.

Step 5: Confirm your request with the OTP sent to your registered number.

Step 6: Get the approved amount credited to your bank account.

Note: An interest of 21% is charged per annum on the Xpress Cash amount.

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Processing Fee for Loan Amount

Loan Amount	Processing Fee
Up to ₹10,000	₹249
Up to ₹20,000	₹498
Above ₹25,000	2.5% of the loan amount

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RBL Bank Paisabazaar Duet Credit Card Charges

The RBL Paisabazaar Duet Credit Card annual fee and joining fee are nil for customers who applied on or after 1st September 2021.

The card also draws a few other charges as follows:

Charges	Parameters
Add-On Card Charges	₹200
Card Replacement Charges	Nil
Overlimit Fee	Nil
Finance Charges	Up to 3.99% p.m. or 47.88% p.a.
Late Payment Fine	12.5% of outstanding amount (₹5–₹1,300)

How Can You Raise a Complaint or Query for the RBL Bank Paisabazaar Duet Credit Card?

For card-related queries, you can write to cardservices@rblbank.com or call the customer helpline at +91 22 6232 7777.

If your concern remains unresolved, you may escalate the matter to the Principal Nodal Officer of RBL Bank.

Principal Nodal Officer: RBL Bank Ltd.Mr. Vikas Nigam, RBL Bank Ltd, Unit No. 306–311, 3rd Floor, JMD Megapolis, Sector 48, Sohna Road, Gurugram: 122018, Haryana

Email: principalnodalofficer@rblbank.com

Contact: 022 7143 2700

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Footnotes:

Cardholders who received the card before 1st September 2021 are required to pay a joining and annual fee of ₹500 + GST.
The RBL Paisabazaar Duet Credit Card has a higher variant called the RBL Paisabazaar Duet Plus Credit Card with an annual charge of ₹1499 + GST.

FAQs

How soon will I receive the Duet Card?

You can apply online through Paisabazaar using a fully digital process. After approval, the card is dispatched to your registered address within 7 to 10 working days.

Are physical documents required for the application?

No physical paperwork is needed. The entire application process is online. If any documents are required, you can upload them digitally during the process.

Does the card give 1% cashback on all spends?

No, certain categories do not qualify. Transactions such as fuel, utilities, insurance, cash withdrawals, education, wallet loads, government payments, and EMI conversions are excluded from cashback.

Why is my cashback still not credited after 2 weeks?

The timeline may vary due to banking cycles and public holidays. You can check your monthly credit card statement to track the credit once it is posted.

What is the RBL Bank Paisabazaar Duet Credit Card application process?

You can apply online through the official RBL Bank site or Paisabazaar. If you prefer an in-person option, visit your nearest RBL Bank branch to submit an offline application.