RBL Duet Credit Card: Features, Benefits, and Fees Explained

Key Insights:

1. The RBL Duet Credit Card gives 1% cashback on all purchases, up to ₹500 per month starting October 2024.
    
2. The RBL Paisabazaar Duet Credit Card functions both as a traditional credit card and a personal loan facility, allowing instant fund transfers through the Xpress Cash feature available on the RBL Bank app.
    
3. The RBL Duet Credit Card is completely lifetime free, which means there are no joining or annual fees, making it a suitable option for both regular shopping and handling urgent cash requirements.
    
4. The application process for the RBL Duet Credit Card is simple and can be completed online. Additionally, cashback earned is credited weekly to the card, and new users are not charged any fees for reward redemption.

Bonus Point: Credit Card + Credit Line: The Duet Card offers both regular credit card features and instant access to a credit line for emergency cash needs.

The RBL Paisabazaar Duet Credit Card is a dual-purpose card that blends a credit card with an instant loan facility, offering flexibility via the RBL Bank app. It provides 1% cashback on all online and offline purchases, capped at ₹500 per month, making it ideal for everyday spending.

Take Siddharth, a disciplined planner seeking more from his transactions. He chose the RBL Duet Card for its two-in-one convenience, using the credit feature for cashback and the loan facility for instant transfers to his bank. Spending ₹20,000 monthly earned him ₹200 in cashback, totalling ₹2,400 annually. With no annual fees, the card proved to be lifetime free and cost-effective.

This seamless blend of liquidity and reward helped Siddharth manage his money better without extra charges. If you're looking for a smart, flexible, and rewarding credit solution, the RBL Duet Credit Card could be a perfect fit. 

Let’s explore its features, charges, and more in detail.

Credit Card & Loan Features of RBL Duet Card

Let’s take a closer look at how the RBL Duet Card combines two financial tools in one simple product.

1. Dual-in-One Benefit

This card works as both a regular credit card and a pre-approved short-term loan with flexible usage options. You can use it to shop or borrow cash instantly, making it handy for emergencies and daily expenses.

2. Xpress Cash

You can transfer money from your credit limit to your bank using the Xpress Cash option through the RBL app. Interest is charged only on the amount used, giving you better control and lower borrowing costs.

3. Cashback and Rewards

Earn higher cashback on dining and travel, and standard cashback on other purchases online and in stores. Cashback turns into reward points that you can redeem later, helping you save more as you spend.

RBL Duet Credit Card features:

Here’s a quick table to help you understand how the RBL Paisabazaar Duet Card benefits you in daily life:
 

This table gives a simple view of how the RBL Duet Credit Card offers both convenience and savings in real-life scenarios.

How does the RBL Bank Duet Credit Card work?

The RBL Bank Duet Credit Card gives you financial management flexibility. When necessary, you can send money straight to your registered bank account in amounts up to your credit limit, starting at INR 3,000. 

Just go to the app, pick the appropriate amount, pick the bank account to use, and approve the transaction with an OTP to start the transfer. A handy and reasonable repayment option is offered with the ability to repay the money in simple EMIs. The card is a flexible financial tool that may be used for both fund transfers and in-person or online transactions.

RBL Duet Credit Card Fees and Other Charges:

Here’s a simple breakdown of the RBL Duet Credit Card fees based on when your card was activated.

Knowing these fee conditions helps you understand whether your card is free or if any charges apply.

RBL Duet Credit Card Pros and Cons:

Pros:

The RBL Duet Credit Card offers several useful benefits that make it a smart choice for everyday spending and emergencies.
 

• Dual Benefit: Combines a credit card and a personal loan feature, allowing instant fund transfers to a bank account.
   
• Cashback Rewards: 1% cashback on all retail and online transactions.
   
• No Annual Fee: Lifetime free card with no joining or renewal charges.
   
• Easy EMI Conversion: Option to convert purchases into EMIs for better financial management.
   
• Completely Digital Process: Hassle-free online application.

These features give cardholders both convenience and savings, making it easier to manage money without extra fees or stress.

Cons:

While the RBL Duet Credit Card has many benefits, it also comes with a few important limitations to consider.
 

• Limited Cashback Categories: No cashback on fuel, insurance, rent payments, utilities, or wallet transactions.
   
• Cashback Capping: Maximum ₹500 cashback per month (from October 15, 2024).
  
  High Interest Rates: Finance charges up to 3.99% per month (47.88% annually) on outstanding balances.
   
• Foreign Currency Markup: A 3.5% charge on international transactions.
   
• Limited Availability: This can only be applied via the website, not directly through RBL Bank.

Understanding these drawbacks can help you decide if the card fits your needs or if another option suits you better.

RBL Bank Duet Credit Card with Other Credit Cards:

Here’s a comparison of the RBL Bank Duet Credit Card with other popular cashback credit cards in India to help you choose wisely.

This table shows how the RBL Duet Card stands out with its dual feature and zero annual fee, while others may offer higher cashback in specific categories.

Eligibility Criteria for RBL Duet Credit Card:

Before applying, make sure you meet the basic eligibility requirements for the RBL Duet Credit Card listed below.

Meeting these conditions improves your chances of approval and helps ensure a smooth application process.

Tips for Better Approval Chances:

To improve your chances of getting approved for the RBL Duet Credit Card, follow these simple tips during the application process.
 

• Maintain a Good Credit Score: Ensure your credit score is above 750 for better chances of approval.
   
• Check Your Income: Ensure that your monthly income meets the minimum requirement of ₹20,000 or more.
   
• Submit Valid Proof: Have a valid address proof handy when applying.
   
• Avoid Late Payments: Keep your existing credit account payments on time to maintain a good credit history.
   
• Review Your Application: Double-check the application form for accuracy and ensure all required details are provided.

By following these steps, you can avoid delays, increase approval chances, and enjoy the card’s benefits sooner.

Required Documents to Apply for RBL Duet Credit Card:

To complete your RBL Duet Credit Card application, you’ll need to submit the following key documents for verification.
 

Having these documents ready will make your application smoother and improve the chances of quick approval.

Tips for Submitting Documentation:

Submitting proper documents is an important part of the RBL Duet Credit Card application process. Here are a few tips to help you.
 

• Ensure Validity: Check that all documents are current and not expired (e.g., passport, utility bills).
   
• Ensure Legibility: Submit clear and legible copies of documents for smooth processing.
   
• Cross-Check Information: Make sure the details on your documents match your application form (name, address, etc.).
   
• Prepare Originals: Be ready to provide original documents for verification if required.

Following these tips ensures your documents are accepted without delay, making the approval process faster and smoother.

How to Apply for an RBL Duet Credit Card:

In partnership with RBL Bank, Paisabazaar offers a seamless online application process for the Duet Credit Card.

Applying for the RBL Duet Credit Card is quick and easy with a fully online process
 

• Step 1: To start the process, click here.
   
• Step 2: Enter your phone number and confirm with the obtained OTP.
   
• Step 3: Give basic information such as your monthly income and occupation. All pre-approved offers will then be shown.
   
• Step 4: Apply for a Duet Card by completing a detailed form and sending it in.
   
• Step 5: The card will be sent to your registered address within 7–10 business days of approval.

Once your application is approved, your card will arrive at your doorstep within 7–10 working days.

Conclusion

The RBL Bank Duet Credit Card is a smart card that works like a credit card and a small personal loan. From October 15, 2024, you’ll get 1% cashback on most spends, up to ₹500 per month. You can also send money to your bank and pay interest only on what you use. The best part? It’s lifetime free, no joining fees, no yearly charges, ever.

Frequently Asked Questions

Q1. Can I convert my Visa credit card to a RuPay card?

Yes, you can switch from Visa to RuPay by contacting your bank’s customer care or visiting the nearest branch.

Q2. What credit score is needed for a credit card?

You can get secured cards with a score below 560, but scores above 660 offer better cards with rewards and benefits.

Q3. How to check RBL Duet Credit Card status?
Call RBL customer care at 022-6232 7777 or 1800 121 9050 with your reference number to check application status.

Q4. Is 2 credit cards better than 1?

Yes, having multiple credit cards is helpful if you manage payments well and keep credit usage low.

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.