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RBL Bank DUET Credit Card
India's first dual-network credit card — one card with both Visa (for international) + RuPay (for UPI). Eliminates the trade-off most users face. 5X rewards on UPI spends + standard Visa benefits abroad. Launched 2024.
Secure application on RBL Bank's official site
"This card offers a balanced mix of rewards and benefits. Consider your spending patterns carefully - if you spend heavily in the card's bonus categories, it can deliver excellent value. Always compare with alternatives before applying."
Priya Sharma
Senior Financial Analyst
How to Apply for RBL Bank DUET Credit Card
Is It Worth It? (Quick Math)
Worth the fee!
You gain ₹9,000 per year value after fees.
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This is an indicative check. Final approval depends on bank's assessment.
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Key Features
- Only dual-network card in India — Visa + RuPay in one piece of plastic
- 5X (~5%) effective rewards on UPI spends — among the highest UPI reward rates
- Quarterly domestic lounges + movie BOGO offers add ₹2-4K/year value
- Welcome bonus pays back 25% of joining fee in first 90 days
- Stronger acceptance abroad than pure RuPay (Visa side handles international)
Rating Overview
Eligibility Criteria
Age
21+ Years
Income
₹0.3L / year
Documents
Rewards Program
RBL Bank DUET Credit Card Rewards
Earn 2 points per ₹150 spent. Redemption value: Variable
| Category | Reward Rate | Points / ₹150 | Est. Value | Cap |
|---|---|---|---|---|
| General Spends | 2 points/₹150 | 4 | ₹1 | Check T&C |
| AcceleratedBest | 5x - 10x points | 10 | ₹2.50 | Check T&C |
Annual Fee Break-even: Spend ₹1,20,000 in the best category to earn rewards equal to the ₹2,000 annual fee | ||||
Rate
2 points/₹150
Pts/₹150
4
Value
₹1
Rate
5x - 10x points
Pts/₹150
10
Value
₹2.50
Rewards Calculator
See if this card's rewards justify the annual fee
Benefits Breakdown
Core Benefits
- •Only dual-network card in India — Visa + RuPay in one piece of plastic
- •5X (~5%) effective rewards on UPI spends — among the highest UPI reward rates
- •Quarterly domestic lounges + movie BOGO offers add ₹2-4K/year value
- •Welcome bonus pays back 25% of joining fee in first 90 days
- •Stronger acceptance abroad than pure RuPay (Visa side handles international)
Lifestyle
- •Dining Discounts
- •Movie Offers
Pros
- Only dual-network card in India — Visa + RuPay in one piece of plastic
- 5X (~5%) effective rewards on UPI spends — among the highest UPI reward rates
- Quarterly domestic lounges + movie BOGO offers add ₹2-4K/year value
- Welcome bonus pays back 25% of joining fee in first 90 days
- Stronger acceptance abroad than pure RuPay (Visa side handles international)
Cons
- ₹2,000 annual fee — viable only for ₹2L+/year UPI spenders
- Reward redemption catalog skewed to RBL-partner brands
- Dual-network card has slightly thicker chip — some POS terminals slower
- RBL Bank card-services support not as polished as HDFC/ICICI
Required Documents
Keep these documents ready before applying for RBL Bank DUET Credit Card
Fees & Charges
| Fee Type | Amount |
|---|---|
Joining Fee First year fee | ₹2000 |
Annual Fee From second year onwards | ₹2000 |
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Frequently Asked Questions
What is the minimum salary for a credit card?
Most banks require a minimum monthly income of ₹15,000 to ₹25,000. For premium cards, the requirement can be ₹50,000+.
How to apply for a Lifetime Free (LTF) credit card?
You can apply for LTF cards directly through our platform. Popular options include Amazon Pay ICICI, IDFC First Millennia, and Dhanlaxmi Bank Platinum.
Can I get a credit card without income proof?
Yes, you can get a secured credit card (like IDFC First WOW) against a Fixed Deposit without showing income proof. This is great for students and homemakers.
Does checking my eligibility affect my credit score?
No. Checking eligibility on our platform is a 'Soft Inquiry' and does not impact your CIBIL score. Only when you submit a formal application to the bank, a 'Hard Inquiry' is done.
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Ready to upgrade your wallet?
Apply for the RBL Bank DUET Credit Card today and start earning rewards on every spend.
● Secure application on RBL Bank's official site