RBL Paisabazaar Duet Plus
Downgrade2.5% back on travel and dining, and the whole card stops at ₹500 a month.
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
Welcome: ₹250 cashback — make a purchase within 30 days of issuance and pay the membership fee by the due date
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 for itself at ₹15,000 a month
At ₹15,000 a month — ₹1,80,000 a year — on the everyday mix this card returns ₹1,500 gross (earn ₹1,500) against its ₹1,499 fee = ₹0 net — the first rung at or above ₹0. 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 Plus is the paid tier above the free Paisabazaar Duet and it keeps the same honest premise — cashback credited to the card account, no points, no portal, no redemption fee. The rates are better: 2.5% on travel and dining, 1% on everything else, plus a ₹250 welcome cashback, a weekend BookMyShow buy-one-get-one worth up to ₹200 a month, and a ₹100 monthly fuel-surcharge reversal. Then read the ceilings, because they are the card: ₹200 of cashback a month on travel and dining, ₹300 a month on everything else, ₹500 in total. That is ₹6,000 a year against a ₹1,499 fee, and the fee only reverses at ₹4 lakh of eligible annual spend — a bar you can clear while still being capped at ₹500 a month of cashback. RBL calls the package "returns worth over 8X the annual fee"; the caps say the true ceiling is about 4X, and the free Duet below it pays ₹6,000 too.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹1,499/yr at stake · 5 spend bands
The charge ₹1,499/yr
The waiver ₹4,00,000 of spend in the year before renewal — about ₹33,333 a month — and the renewal fee is not charged.
Break-even ₹15,000 a month — ₹1,80,000 a year — is where this card's value crosses its fee.
At your spend
₹1,000 a year, net of the fee, at ₹3,00,000 of annual spend
₹3,600 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹3,600 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹3,600 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹3,600 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
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
- 2.5% cashback on all travel and dining, 1% on everything else
- ₹250 welcome cashback on one purchase in 30 days
- BookMyShow buy-one-get-one up to ₹200, once a billing month, on weekend shows
- Cashback lands on your statement — no reward portal and no ₹99 redemption fee
- Xpress Cash: draw a loan inside the credit limit and repay as EMIs
Watch out
- Total cashback stops at ₹500 a calendar month — ₹200 on travel and dining, ₹300 on everything else
- ₹6,000 a year is the ceiling against a ₹1,499 fee, and the free Paisabazaar Duet pays the same ₹6,000
- The fee only reverses at ₹4 lakh of eligible annual spend — the highest waiver bar on any RBL card under ₹1,500
- Utilities, insurance, quasi-cash, railways, rent, education, wallets, government, contracted services, cash and Bills2Pay earn no cashback and do not count toward the waiver
- 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
2.5% back on travel and dining (₹200 a month), 1% on everything else (₹300 a month), ₹500 a month all in. Read the travel row before believing the headline: the same page's ineligible-MCC table excludes Railways, so "all travel" means air, hotel and OTA — an IRCTC booking earns nothing.
- Fuel · excluded No cashback — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) on the page's ineligible-MCC table; 1% fee on fuel/auto above ₹10,000, capped at ₹3,000 (MITC)
- Rent & property management · excluded No cashback — "Real Estate/Rental" (MCC 6513); 1% fee 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" a separate row; 1% fee past ₹50,000 of utility spend a month (MITC)
Does your spend count toward the fee waiver?
not published — and we say which
₹4,00,000 a year is the bar that waives the ₹1,499 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. RBL Bank states what the RBL Paisabazaar Duet Plus earns and does not earn, but has not published which spend categories count toward the fee waiver — the ₹4,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
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 Plus Credit Card ₹1,499/₹1,499, NIL on eligible annual spends of ₹4 lakh or more. 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 — 2.5% cashback on travel and dining and 1% elsewhere under a ₹500 monthly ceiling, ₹250 welcome cashback, ₹4 lakh fee waiver, Mastercard
- official Schedule of Charges — "RBL Bank Paisabazaar Duet Plus Credit Card INR 1,499 / INR 1,499"; foreign-currency markup up to 3.5%
- official MITC — "RBL Bank Paisabazaar Duet Plus Credit Card ₹1,499 / ₹1,499 (NIL on eligible annual spends of ₹4 lakh or more) / ₹200 add-on"