RBL Paisabazaar Duet
KeepA lifetime-free 1% cashback card, capped at ₹500 a month and credited to your statement.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on utilities and fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹100 gross (earn ₹100) against its ₹0 fee = ₹100 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
The take
Duet is about as simple as an Indian credit card gets, and its simplicity is the whole argument: no annual fee ever, 1% cashback on retail and online spending, credited straight to the card account within two weeks and visible on the statement. No points, no portal, no ₹99 redemption fee, nothing to claim. The ceiling is ₹500 of cashback a calendar month, which is ₹50,000 of spend, so the card pays a maximum of ₹6,000 a year — which is exactly the "up to INR 6,000 in yearly benefits" RBL leads with. Above ₹50,000 a month it earns nothing, so it is a second card, not a primary one. The card also carries Xpress Cash, a drawable loan inside the credit limit repaid as EMIs. One thing to check before assuming it is free: RBL runs two fee eras on this product, and holders onboarded before 1 September 2021 — when it was sold as "RBL Bank Paisa on Demand" — still pay ₹500 plus GST a year.
Your renewal — keep, downgrade or cancel
This card is lifetime free. There is no fee due, no renewal to weigh, and nothing to cancel to save.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0 — lifetime free
At your spend
₹2,500 a year at ₹3,00,000 of annual spend
₹5,000 a year at ₹6,00,000 of annual spend
₹6,000 a year at ₹12,00,000 of annual spend
₹6,000 a year at ₹36,00,000 of annual spend
₹6,000 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
The downgrade
RBL Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 7 Jan 2026 RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet issuer-wide
- 1 Jul 2025 RBL gates domestic lounges behind ₹35k a quarter issuer-wide
- 15 Oct 2024 RBL strips points from education, government and wallet spends issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Lifetime free — NIL in both of RBL's fee columns
- 1% cashback on retail and online spends, credited to the card account
- No reward portal and no ₹99 redemption fee — the cashback lands on your statement
- Xpress Cash: draw a loan inside the credit limit and repay as EMIs, paying interest only on what you use
Watch out
- Cashback stops at ₹500 a calendar month — about ₹50,000 of spend
- Cards onboarded before 1 September 2021, as "RBL Bank Paisa on Demand", still pay ₹500 + GST a year
- Utilities, insurance, quasi-cash, railways, rent, education, wallets, government, contracted services, cash and Bills2Pay earn no cashback
- There is no welcome benefit and no milestone of any kind
- RBL charges 1% on FIVE transaction types its Schedule of Charges lists separately from the reward exclusions: rent (MCC 6513, on every transaction), fuel and auto above ₹10,000 a transaction (capped at ₹3,000), utility spends above ₹50,000 a month, education paid through third-party apps such as CRED, PhonePe or Paytm (school and college websites are exempt), and — with effect from 7 January 2026 — FASTag loading and tolls above ₹10,000 a transaction. These are FEES, listed nowhere near the reward exclusions: a category can both cost you 1% and earn you nothing
What these points actually fly
No live transfer route takes Statement cashback (₹) into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
15 sourced rules · 8 pay zero
A lifetime-free cashback card for anyone onboarded after 1-Sep-2021: 1% back on retail and online spend, capped at ₹500 a calendar month, so ₹50,000 of eligible spend a month exhausts it. RBL publishes the ineligible categories as a fourteen-row MCC table on the product page — the most complete version of this table anywhere on its shelf.
- Fuel · excluded No cashback — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) heads the page's ineligible-MCC table. RBL charges 1% on fuel/auto transactions above ₹10,000, capped at ₹3,000 (MITC)
- Rent & property management · excluded No cashback — "Real Estate/Rental" (MCC 6513); RBL levies 1% on every rental transaction bank-wide (MITC)
- Wallet loads · excluded No cashback — "Wallets/Service Providers" (MCC 6540)
- Utilities (electricity/water/gas) · excluded No cashback — "Utilities" (MCC 4900), with "Bills2Pay" listed as a separate row (RBL's own bill rail in the MyBank app and internet banking). 1% fee past ₹50,000 of utility spend a month (MITC)
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
RBL Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official RBL Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
RBL Bank MITC cum Key Fact Statement, read 2026-08-17, plus the Schedule of Charges RBL-CC-SOC-V2-12-12-2025. FEE COLUMN PROVENANCE: RBL's tables have two columns headed "Annual membership Fee (1st year)" and "Annual membership Fee (2nd year onwards)" and they are NOT inverted — the first is the charge to GET the card, the second is the recurring charge. This card: RBL Bank Paisabazaar Duet Credit Card (onboarded after 1st September, 2021) NIL/NIL. RBL publishes no income or age criteria for any card in the MITC. Other card-wide charges: cash deposit at an RBL branch ₹100; cheque return or auto-debit reversal ₹500; merchant EMI processing 1.5% or ₹150, whichever is higher; 1% on rent (MCC 6513); 1% on fuel and auto transactions above ₹10,000, capped ₹3,000; 1% on utility spends above ₹50,000 a month; 1% on education payments made through third-party apps; 1% on FASTag loading and toll transactions above ₹10,000 with effect from 7 January 2026; fuel surcharge 1% or ₹10, whichever is higher. All charges attract GST at 18%.
per the official RBL Bank MITC · reviewed 10 Jul 2026
What's changed for this card
4 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 22 Aug 2026RBL relaunches the Shoppers Stop co-brand as a Gold / Platinum / Black trioAn older single Shoppers Stop co-brand line → Three tiers — Gold (₹1,000), Platinum (₹5,000), Black (₹10,000) annual — earning 10 RP/₹200 (Gold, Platinum) or 15 RP/₹200 (Black) across the Shoppers Stop Universe, with points worth ₹0.25 / ₹0.50 / ₹1.00 respectively
RBL rebuilt its Shoppers Stop co-brand into a three-card ladder. The fee rung buys a richer point, not just more of them: a Reward Point is worth ₹0.25 on Gold, ₹0.50 on Platinum and ₹1.00 on Black, so Black's 15 RP per ₹200 at ₹1 a point is a genuine 7.5% back on First Citizen days inside the Shoppers Stop Universe. Welcome vouchers scale the same way (₹500 quarterly on Gold, ₹2,000 plus Platinum membership and a makeover on Platinum, ₹1,500 quarterly on Black). No lounge access on any of the three — these are store cards and earn like it, with value only inside Shoppers Stop. All three are already on our board.
- 7 Jan 2026RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet
- 1 Jul 2025RBL gates domestic lounges behind ₹35k a quarter
- 15 Oct 2024RBL strips points from education, government and wallet spends
Verified against RBL Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official Product page — 1% cashback up to ₹500 a calendar month credited to the card account, NIL annual fee for cards onboarded after 1 September 2021, Mastercard and Visa
- official Schedule of Charges — "RBL Bank Paisabazaar Duet Credit Card NIL / NIL", with the pre-Sep-2021 "Paisa on Demand" cohort carried as a separate INR 500 / INR 500 row
- official MITC — "RBL Bank Paisabazaar Duet Credit Card (onboarded after 1st September, 2021) NIL / NIL / ₹200 add-on"