M16S / RBL Bank / RBL Paisabazaar Duet Credit Card
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RBL Paisabazaar Duet Credit Card
The RBL Paisabazaar Duet Credit Card charges no annual fee and no joining fee. Its base return is 1% (1% cashback on retail and online spend). The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 1%
- Forex markup
- 3.5%
- Interest
- 3.99%a month
Apply on rbl.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Nil for cards onboarded after 1 Sep 2021; Rs 500 for earlier 'Paisa on Demand' cards |
Rewards
| Reward currency | Cashback |
|---|---|
| Base earn | 1% cashback on retail and online spend |
| Base return | 1% |
| Point value | Cashback credited to the statement |
| Caps | Rs 500 cashback per calendar month |
| Spends that earn nothing | No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions |
| Reward notes | base_return_pct = 1% cashback, capped at Rs 500 a month. |
Travel and perks
| Forex markup | 3.5% |
|---|---|
| Other freebies | Xpress Cash: loan within the card limit to a bank account via the RBL MyBank app |
Charges and eligibility
| Interest per month | 3.99% |
|---|---|
| Late payment fee | 12.5% of total amount due, min Rs 5, max Rs 1,300 |
| Cash advance fee | 2.5% min Rs 500 |
| Fine-print notes | Issuer page has an apply option but does not confirm new-applicant availability. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants. |
Questions
- What is the annual fee of the RBL Paisabazaar Duet Credit Card?
- No annual fee.
- What is the forex markup on the RBL Paisabazaar Duet Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the RBL Paisabazaar Duet Credit Card?
- No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions