Verified — 16/16 categories

RBL Bank

Duet

Best forShopping & Jewellery

Earns1% cashback on shopping

1st Year / Joining Fee

Not recorded

Annual fee ₹0

Renewal Fee

Not recorded

Fee waiver

None

Network

Not recorded

RBL Bank

Duet

Why this card may suit you

Based on the card's verified terms.

Best suited to spending on shopping and jewellery, where it earns 1% cashback

How you earn

Reward rates at a glance — exactly as recorded for this card.

Shopping1% cashback

Jewellery1% cashback

All 16 reward categories · 16 of 16 categories verified

Category	Rate	Cap	Condition
Rent	Not a good fit	—	Rental payments (MCC 6513) strictly excluded from reward points / cashback accrual per RBL Cardmember Agreement and Schedule of Charges Details Status Verified — not a good fit for this category Issuer note Rental payments (MCC 6513) strictly excluded from reward points / cashback accrual per RBL Cardmember Agreement and Schedule of Charges; 1% surcharge applies.
Education	Not a good fit	—	Education payments (MCC 8211, 8220, 8244) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule Details Status Verified — not a good fit for this category Issuer note Education payments (MCC 8211, 8220, 8244) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
Insurance	Not a good fit	—	Insurance premium payments (MCC 6300, 6310) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule Details Status Verified — not a good fit for this category Issuer note Insurance premium payments (MCC 6300, 6310) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
Utilities	Not a good fit	—	Utility bill payments (MCC 4900) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule Details Status Verified — not a good fit for this category Issuer note Utility bill payments (MCC 4900) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
Fuel	Not a good fit	—	Fuel transactions receive surcharge waiver only Details Status Verified — not a good fit for this category Issuer note Fuel transactions receive surcharge waiver only; strictly excluded from cashback accrual per RBL Duet terms and Schedule of Charges.
Groceries	—	—	Explicit RBL source-gated rule Details Status Verified Issuer note Explicit RBL source-gated rule; MCC/channel conditions retained.
Dining	—	—	Explicit RBL source-gated rule Details Status Verified Issuer note Explicit RBL source-gated rule; MCC/channel conditions retained.
Food Delivery	—	—	Explicit RBL source-gated rule Details Status Verified Issuer note Explicit RBL source-gated rule; MCC/channel conditions retained.
Shopping	1% cashback	₹500 per month	Explicit RBL source-gated rule Details Status Verified Source RBL Phase 14 research / current issuer evidence Issuer note Explicit RBL source-gated rule; MCC/channel conditions retained.
Travel	—	—	Explicit RBL source-gated rule Details Status Verified Issuer note Explicit RBL source-gated rule; MCC/channel conditions retained.
Government	Not a good fit	—	Government and tax payments (MCC 9311, 9399, 9400) strictly excluded from reward points / cashback accrual per RBL Cardmember Agreement Section 4 Details Status Verified — not a good fit for this category Issuer note Government and tax payments (MCC 9311, 9399, 9400) strictly excluded from reward points / cashback accrual per RBL Cardmember Agreement Section 4.
Wallet	Not a good fit	—	Wallet loading transactions (MCC 6540) strictly excluded from reward points / cashback accrual per RBL Cardmember Agreement Section 4 Details Status Verified — not a good fit for this category Issuer note Wallet loading transactions (MCC 6540) strictly excluded from reward points / cashback accrual per RBL Cardmember Agreement Section 4.
Railways	Not a good fit	—	Railway transactions (MCC 0066, 4011, 4112) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule Details Status Verified — not a good fit for this category Issuer note Railway transactions (MCC 0066, 4011, 4112) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
FASTag	Not a good fit	—	FASTag / toll transactions (MCC 4784) excluded from reward points accrual per RBL Bank Excluded Merchant Category Policy Details Status Verified — not a good fit for this category Issuer note FASTag / toll transactions (MCC 4784) excluded from reward points accrual per RBL Bank Excluded Merchant Category Policy.
Jewellery	1% cashback	₹500 per month	Base 1% cashback on retail purchase per SRC-RBL-DUET-01 Details Status Verified Source SRC-RBL-DUET-01 Issuer note Base 1% cashback on retail purchase per SRC-RBL-DUET-01.
Telecom	Not a good fit	—	Telecom service payments (MCC 4812, 4814, 4899) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule Details Status Verified — not a good fit for this category Issuer note Telecom service payments (MCC 4812, 4814, 4899) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee

Not recorded

Annual fee ₹0

Renewal Fee

Not recorded

Fee waiver

None

Reward caps

Shopping — ₹500 / month (per category — Shopping)

Key benefits

Rewards

1% cashback on shopping

Important to know

Limits and exclusions that change what you earn.

Shopping rewards are capped at ₹500 / month (per category — Shopping)
Not recommended for: Rent, Education, Insurance, Utilities +6 more

Who should consider this card

✓ Good fit if

Your spending is concentrated in shopping, jewellery

△ Less useful if

Much of your spending is in rent, education, insurance, which earn nothing

Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 10 no-reward categories

Caps

Shopping — ₹500 / month (per category — Shopping)

Categories with no reward or not eligible

Rent — Not a good fit. Rental payments (MCC 6513) strictly excluded from reward points / cashback accrual per RBL Cardmember Agreement and Schedule of Charges.
Education — Not a good fit. Education payments (MCC 8211, 8220, 8244) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
Insurance — Not a good fit. Insurance premium payments (MCC 6300, 6310) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
Utilities — Not a good fit. Utility bill payments (MCC 4900) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
Fuel — Not a good fit. Fuel transactions receive surcharge waiver only.
Government — Not a good fit. Government and tax payments (MCC 9311, 9399, 9400) strictly excluded from reward points / cashback accrual per RBL Cardmember Agreement Section 4.
Wallet — Not a good fit. Wallet loading transactions (MCC 6540) strictly excluded from reward points / cashback accrual per RBL Cardmember Agreement Section 4.
Railways — Not a good fit. Railway transactions (MCC 0066, 4011, 4112) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
FASTag — Not a good fit. FASTag / toll transactions (MCC 4784) excluded from reward points accrual per RBL Bank Excluded Merchant Category Policy.
Telecom — Not a good fit. Telecom service payments (MCC 4812, 4814, 4899) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.

Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to RBL Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications

Payment network: Not recorded
Airport lounge: Not recorded by DhanChakshu — check the issuer terms
Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms

What DhanChakshu couldn't fully verify · 4 areas

4 areas need further verification. None of these are counted as zero.

• Lounge benefit — not recorded; check the issuer terms
• Fuel surcharge waiver — not recorded; check the issuer terms
• Foreign-currency markup — not recorded; check the issuer terms
• Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-21

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-21

Documents used

RBL Phase 14 research / current issuer evidence · RBL Phase 14 research / current issuer evidence

RBL Bank Duet Credit Card Schedule of Benefits & Terms · SRC-RBL-DUET-01