The Paisabazaar Duet Credit Card, issued in collaboration with RBL Bank, combines the convenience of a regular credit card with the flexibility of a credit line facility. It appeals to users who want simple cashback on everyday spends along with the option to withdraw cash as needed via the Xpress Cash feature. With a straightforward reward structure and digital-first approach, it suits young professionals and frequent shoppers looking for utility without complexity.
Card Overview and Variants
Paisabazaar offers two versions: the Duet and Duet Plus. Both function as credit cards and provide an Xpress Cash facility through the RBL MyCard app. The Duet is a lifetime-free card, while Duet Plus carries an annual fee that is waivable on sufficient spending.
Duet (Base Version)
- Lifetime-free annual and renewal fee
- â¹250 welcome cashback on first purchase within 30 days
- 1% cashback on all eligible purchases capped at â¹500/month
- Fuel surcharge waiver of 1% (â¹500-â¹4,000 spend), up to â¹100/month
- BookMyShow offer: 1+1 weekend ticket once a month (up to â¹200)
Duet Plus (Premium Version)
- â¹1,499 annual fee (waived on â¹4 lakh+ annual spends)
- â¹250 welcome cashback similar to base version
- 2.5% cashback on travel and dining (â¹200 cap/month)
- 1% cashback on other purchases (â¹300 cap/month)
- Same fuel and movie benefits as the base card
Xpress Cash Feature Explained
Both variants allow you to convert part of your credit limit into cash via the RBL MyCard app:
- Minimum withdrawal: â¹3,000; up to full credit limit
- Funds credited in 3-4 business days
- Interest rate: 21% p.a. only on amount used
- Processing fees:
- â¹249 for â¤â¹10,000
- â¹498 for â¤â¹20,000
- 2.5% of amount for >â¹25,000
Eligibility and Application
The entire process is digital through Paisabazaar: enter your mobile number, see preapproved offers, submit details, and receive the card in 7-10 business days. Ideal for salaried professionals aged 21-70, residents of India.
Fees, Charges, and Cashback Rules
- Duet: no annual fee; Duet Plus: â¹1,499 (fee waiver on â¹4 lakh+ spend)
- Cashback processed weekly; takes up to 2 weeks post-settlement
- Exclusions: fuel, utilities, insurance, quasi-cash, etc. (as per MCC list)
- APR on cash or fund transfers ~47.9% p.a.
Pros and Cons
Pros
- Dual benefit: credit card and cash loan in one
- Simple flat cashback on retail purchases
- Useful fuel waiver and free BookMyShow tickets
- Completely paperless application process
Cons
- High-interest rates on cash transfers
- Cashback capped monthly for Duet base: â¹500, and Duet Plus: â¹500 (â¹200 travel/dining + â¹300 others)
- Excludes many essential categories from cashback
- Mismatch in RBL calling it credit line in disclosures may confuse credit report entries
User Feedback
Reddit users raised concerns about cold calls from Paisabazaar or RBL regarding products they didn’t apply for. However, others confirm the card functions like a normal credit card and appears correctly as such on credit reports.
Is It the Right Choice?
The Duet series is suitable for users who:
- Want straightforward cashback without complicated reward structures
- See value in the convenience of Xpress Cash
- Prefer a fully digital onboarding experience
Duet is ideal for no-fee preference, while Duet Plus suits those who spend significantly on dining and travel. However, cautious use of cash withdrawal and awareness of exclusions is necessary.
Tips to Maximise Benefits
- Pay full statement amount each month to avoid high interest
- Monitor monthly cashback bar
- Take advantage of fuel waiver responsibly
- Use BookMyShow offer on weekends for entertainment savings
- Avoid Xpress Cash unless absolutely necessary
The Paisabazaar Duet Credit Card offers a compelling blend of simplicity and flexibility. With straight cashback, a cash withdrawal feature, and digital convenience, it suits those seeking a no-fuss credit solution. While interest and exclusions constrain benefits, responsible use can make it a practical addition for everyday needs.
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