RBL Bank Paisabazaar Duet Card
Product Details
Credit Card Name :
RBL Bank Paisabazaar Duet Card
Bank Name :
RBL Bank
Type :
Rewards Credit Card
Interest Rate :
Interest Charges: upto 3.99% p.m (upto 47.88% p.a)
Eligibility :
You must be at least 18 years old
Your minimum income must be from Rs. 1 lakh to Rs. 3 lakhs p.a.
You must be either self-employed or salaried
Pros
Life time free card.
Reward System: 1 RBL reward point = Rs 0.25 paisa on every 100/- spent via card. Cashback Rate: 0.5%. 1 reward point for every ₹100 spent on regular purchases. 1% cashback on all online and POS Transactions (except Fuel purchases, wallet loading transactions, rental transactions, and credit-line/loan transactions).
Other Benefits; Easy Money transfer facility available.
Cons
Cashback is not offered on EMI transactions, wallet loading, fuel purchase and rent payment.
Reward redemption fee is charged upon existing customers.
No welcome benefit.
No lounge visit facilities.
No fuel surcharge waiver option available.
Pros & Cons
Welcome Benefits
None.
Rewards System
1 RBL reward point = Rs 0.25 paisa on every 100/- spent via card.
Cashback Rate: 0.5%
1 reward point for every ₹100 spent on regular purchases.
1% cashback on all online and POS Transactions (except Fuel purchases, wallet loading transactions, rental transactions, and credit-line/loan transactions).
International Forex Markup
Welcome Benefits and Reward System
Special Features
Cashbacks on all your Credit Cards Spends.
Eligibility Criteria
You must be at least 18 years old
Your minimum income must be from Rs. 1 lakh to Rs. 3 lakhs p.a.
You must be either self-employed or salaried
Benefits
It offers several benefits, including 1% cashback on all online and POS transactions: You will earn 1% cashback on all your spending, with no maximum limit.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Contact Details
RBL Bank Credit Card Helpline
+91 22 6232 7777
Email: cardservices@rblbank.com
Account Opening and Procedure
RBL Bank Paisabazaar Duet Card
The RBL Bank Paisabazaar Duet Card is a good option for individuals who want a combination of credit card and credit line features, with cashback on all spends and the flexibility to transfer funds. However, the lower cashback rate, limited redemption options, and potential customer service concerns are important to consider. If you're a frequent spender on dining and travel, the Duet Plus Card might be worth the annual fee for the higher cashback rate in those categories. Ultimately, the decision depends on your individual spending habits and priorities.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Lifetime Free Card
Joining fees: Nil for primary card & add-on cardholder
Annual membership Fees: NIL
Cash Advance fee: 2.5% of the cash amount withdrawn (minimum Rs 500)
Late Payment fees: Up to Rs.100 - ZeroLate fee. Above Rs.100 - 12.5% of total due amount (Max Rs. 1300/-)
Interest Charges: 2.5% to 3.99% p.m (upto 47.88% p.a)
Foreign Currency Transaction Fees: 3.5%
Reward Redemption fees: Rs 99 only for existing customers.
EMI Processing fees : Rs 199 + GST
Fuel Surcharge
Billing Cycle
30 days