Duet Credit Card: Unlock Cashback and Instant Loans with RBL & Paisabazaar’s Smart Combo
In the evolving landscape of financial products, the Duet Credit Card emerges as a versatile solution for individuals seeking both spending rewards and quick access to funds. A collaborative offering from RBL Bank and Paisabazaar, this card integrates the benefits of a traditional credit card with the flexibility of an instant personal loan, catering to the dynamic needs of today’s consumers.
Key Features of the Duet Credit Card
- Lifetime Free: No joining or annual fees, making it an economical choice for users. For those onboarded before this date, an annual fee of ₹500 + GST applies. RBL Bank
- Flat 1% Cashback: Earn 1% cashback on all online and offline transactions, capped at ₹500 per billing cycle. Note that certain categories such as fuel, utilities, insurance, and wallet loads are excluded from cashback eligibility.
- Xpress Cash Facility: Access a personal loan ranging from ₹3,000 up to your credit limit through the RBL MyCard app. The borrowed amount is transferred to your bank account within 3–4 working days. Repayment is flexible, with easy EMIs and interest charged only on the utilized amount.
- Digital Application Process: Apply entirely online via Paisabazaar.com, with no need for physical documentation. Upon approval, the card is delivered within 7–10 business days. While the application process is primarily digital, some applicants may be required to submit physical documentation depending on their profile and the bank’s requirements
Duet Plus Credit Card: Enhanced Benefits
For users seeking additional perks, the Duet Plus Credit Card offers:
- Enhanced Cashback: 2.5% cashback on dining and travel expenses (up to ₹200 per month) and 1% on other spends (up to ₹300 per month).
- Welcome Benefit: ₹250 cashback upon making a purchase within 30 days of card issuance.
- Movie Perks: 1+1 BookMyShow movie ticket offer, providing up to ₹200 discount on weekend shows once a month.
- Annual Fee: ₹1,499, which is waived off on annual spends of ₹4 lakh or more.
Why Choose the Duet Credit Card?
The Duet Credit Card stands out for its dual functionality, combining the convenience of a credit card with the flexibility of an instant personal loan. Its lifetime free status and straightforward cashback program make it an attractive option for individuals seeking simplicity and value in their financial tools. The digital application process further enhances accessibility, allowing users to apply without the hassle of physical paperwork.