RBL Bank Paisabazaar Duet Plus Credit Card Terms and Conditions

1. INTRODUCTION:

These Terms and Conditions (“Terms”) apply to and regulate the provision of Duet Plus Credit Card issued
by RBL Bank Limited (“RBL Bank”) offered in association with Paisabazaar Marketing and Consulting Private
Limited and should be read in conjunction with the Cardmember Agreement.

DEFINITIONS AND INTERPRETATION:

1.1. “Account” or “Card Account” shall mean an account maintained by RBL Bank under these terms and
conditions, in the name of the Cardmember.
1.2. “Card” or “Paisabazaar Duet Plus Card” shall mean the credit card offered by RBL Bank.
1.3. “Cardmember/s" or “Primary Cardmember/s" shall mean such customers to whom a Card has been
issued and who is authorized to hold the Card. The use of terms ‘you’ and ‘your’ shall mean the
Cardmember wherein the context admits.

1.4. “INR” shall mean Indian National Rupee.

1.5. “Offer” shall mean such benefits given by RBL Bank on purchase of products/services using RBL Bank
services.
1.6. “Statements” shall mean the Card Statement sent by RBL Bank to its Cardmembers at periodic
intervals indicating the payment credited and the transaction debited to the Account and the charges
(if any) as applicable along with the payment required by the payment due date as applicable.
1.7. “Website” shall mean www.rblbank.com
1.8. “Void Transaction” shall mean any transaction wherein the transaction has taken place but has been
cancelled /rejected /unsuccessful.
Unless otherwise defined, the capitalized terms used in these Terms will have the same meanings as
ascribed to them in the Cardmember’s Agreement.

2. PRODUCT OFFER:

2.1. Welcome benefit on the Paisabazaar Duet Plus Card:

A cashback of Rs. 250 is credited to the customer’s credit card account on making spends within 30 days of
card issuance. Spends will be calculated only for settled transactions, basis the transaction date submitted
by the Merchant Establishment/ Association (i.e. MasterCard/VISA). RBL Bank will not be held responsible
if Merchant Establishment submits the transaction date as different from the actual date when the
transaction was done. For any reason, if the transactions are reversed and the net spends within 30 days
is NIL then the welcome benefit of Rs. 250 cashback is debited.

2.2. Cashback benefits on the Paisabazaar Duet Plus Card:

The Card member can avail a cashback benefit of 1% of transaction amount on all POS & Online transactions
on the Card and a cashback benefit of 2.5% on all dining & travel spends with the exception of walletloading,
fuel, rental, credit-line/ loan & utilities transactions. The cashback will be calculated & provided on settled

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 transactions only. The total cashback on all spends including online, POS, dining & travel spends per card in
a month will be capped at a maximum of Rs. 500 (Travel and Dining Transactions will be capped at Rs. 200
per month and cumulative cashback on all other remaining transactions will be capped at Rs. 300 per
month)

The Cardmember agrees and understands that the value of spends will be calculated only for settled
transactions, basis the transaction date submitted by the merchant establishment/ association (i.e.
MasterCard / VISA). RBL Bank will not be held responsible if the merchant establishment submits the
transaction date as different from the actual date when the transaction was done

2.3. Monthly benefit of INR 200 on BookMyShow movie tickets:

The Cardmember can avail a ‘monthly benefit’ comprising of a discount of INR 200 or maximum number
of one free ticket whichever is lower on booking movie tickets on BookMyShow’s mobile application or
BookMyShow’s website i.e. www.bookmyshow.com using the Card. This ‘monthly benefit’ will be valid
only for Saturday and Sunday shows. It is hereby clarified that the ‘monthly benefit’ shall be applicable
only on the primary Card, and not on add-on Cards with effect from June 1, 2020. Therefore, the ‘monthly
benefit’ will not apply if the movie tickets are booked using add-on Cards on BookMyShow mobile
application and/or BookMyShow website.
The Cardmember who receives one free ticket under this ‘monthly benefit’ must purchase and pay in full
for at least one full price ticket in the same purchase transaction. In case you have applied for the ‘monthly
benefit’ but the transaction is not successful, kindly wait for 20 minutes before trying to avail the ‘monthly
benefit’ again. The Cardmember availing the ‘monthly benefit’ is advised to check the other applicable
terms and conditions of BookMyShow at www.bookmyshow.com before availing the ‘monthly benefit’. It
is hereby clarified that the tickets once purchased either from the BookMyShow mobile application or
BookMyShow website, shall be considered sold and cannot be cancelled, refunded or exchanged.
BookMyShow will use best efforts to ensure the Offers are provided as described, but Cardmember shall
not make any claim or seek compensation against BookMyShow or RBL Bank even in the event that the
Offers are not provided or provided as described

2.4. Fuel Surcharge Waiver:

Upon every fuel purchase for an amount between INR 500 and INR 4,000 (inclusive of both the amounts
and excluding the surcharge amount) made by the Cardmember using the Paisabazaar Duet Plus Card, the
Cardmember is eligible for the fuel surcharge waiver. The Cardmember shall receive a waiver on the fuel
surcharge up to INR 100 every month. The Cardmember recognizes and understands that any fuel
purchase for an amount of INR 499 or lower shall not be eligible for the fuel surcharge waiver and the
Cardmember shall continue to be levied with a surcharge amount of INR 10. The Cardmember also
recognizes and understands that any fuel purchase for an amount of INR 4,001 and above shall not be
eligible for the fuel surcharge waiver and will continue to be levied with a surcharge amount equivalent
to 1% of the total transaction amount. The eligible fuel purchases made at fuel pumps will be levied with

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 applicable fuel surcharge amount at the time of the Purchase and this will be appear on the Cardmember’s
Statement. This surcharge will subsequently be reversed for eligible transactions. The levied surcharge will
not be reversed for transactions which are not eligible for the fuel surcharge waiver i.e. transactions worth
INR 499 and below and INR 4,001 and above. A consolidated reversal of the surcharge amount will be
reflected in the Cardmember’s Statement.
The Cardmember understands that Goods and Services Tax shall be levied on the fuel purchase and the
same shall not be reversed. It is clarified that the he fuel surcharge waiver shall not be extended to
delinquent or over-limit or closed Paisabazaar Duet Plus Cards.

3. Additional terms and conditions for Credit Line Products:

3.1. The fund transfer facility for RBL Bank “Credit Line Products” including the Paisabazaar Duet Plus Card
will be subject to a successful authorization by RBL Bank of transaction initiated through the Website.
3.2. The overall credit limit for said Credit Line Products will have a shared limit between a physical Card
and fund transfer facility.
3.3. The processing fee will be charged on each loan withdrawal as per the amount visible on the
Cardmember interface at the time of doing fund transfer.
3.4. Each fund transfer transaction shall be converted into EMI as per the tenure plan selected by the
Cardmember and interest rate shown on the respective Website at the time of doing fund transfer.
3.5. The interest rate charged on the EMI plan will be decided as per the sole discretion of RBL Bank. RBL
Bank reserves the right to change interest rate offering from time to time as per its internal risk
assessment policies.
3.6. The EMI amount for fund transfer will be charged to the Cardmembers in the Card Statement as per
the EMI schedule selected at the time of doing funds transfer from the respective mobile application
and or Website.
3.7. The finance charges, late payment charges will be levied in the Statement as per RBL Bank’s policies
and Most Important Terms and Conditions as available on the Website.
3.8. RBL Bank may at its sole discretion restrict and/or block the IMPS functionality on the Card account
basis the risk policies of RBL Bank.
3.9. In an event funds are not transferred to the Cardmember’s Accounts instantly but gets debited from
Cardmember’s credit limit, the same will get reversed by RBL Bank payment gateway within 5 working
days from the date of such transfer.
3.10. Responsibility for entering correct IFSC and bank account details for fund transfer solely lies with the
Cardmember. In case funds are transferred to the wrong bank account due to erroneous details
entered on the app/website, the same needs to be raised by the Cardmembers with the beneficiary
bank for transfer to the correct account.
3.11. In case the customer decides to pre-close a credit-line transaction, he/she would have to write to
cardservices@rblbank.com or contact RBL Bank customer care on the official help-line number,
requesting for a pre-closure of the credit-line transaction. No pre-closure charges will be levied.
Additionally, the processing fee shall be reversed if the full payment has been done within the
stipulated cooling off period.

4. OTHER TERMS:

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4.1. RBL Bank does not guarantee and make any representation about the usefulness, worthiness and/or
character of the discount / benefit provided on the Card.

4.2. Any tax or other liabilities or charges payable to the government or any other statutory
authority/body or any participating establishment, which may arise or accrue to the Cardmember
due to provision of the Offer, shall be to the sole account of the Cardmember. Tax deducted at source,
if any, on the monetary value of the Offer shall be payable by the Cardmember.

4.3. RBL Bank reserves the right to disqualify the Cardmember from the benefits of the Offer if any
fraudulent activity is identified as being carried out for the purpose of availing the benefits under the
Offer or otherwise by use of the Card. RBL Bank shall not be held liable for any delay or loss that may
be caused in delivery of the product and services or the assured gifts / prizes.

4.4. RBL Bank reserves the right, at any time, without prior notice and without assigning any reason
whatsoever, to add/alter/modify/change or vary these terms and conditions or to replace, wholly or
in part by another offer, whether similar to this Offer or not, or to extend or withdraw it altogether.

4.5. The Offer is valid only for successful/approved transactions and not applicable for Void Transaction.
The Offer’s cannot be clubbed/combined/exchanged with any other offer running at the said mobile
application of RBL Bank/or Website.

4.6. RBL Bank will also not be liable for any consequences connected with the use/ misuse of the Card by
any third party due to the Card falling in the hands of any third party or the PIN coming to the
knowledge of any third party. If any third parties gain access to the services, including the Card
Account, the Cardmember will be responsible and shall indemnify RBL Bank against any liability, costs
or damages arising out of such misuse / use by third parties based upon or relating to such access and
use, or otherwise.

4.7. This Offer shall be subject to all applicable laws, rules and regulations which are in existence and
which may be promulgated anytime by any statutory authority.

4.8. These terms and conditions shall be governed by the laws of India and any dispute arising out of or
in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the
courts in Mumbai & RBL Bank reserves the right to add, alter, modify, change or vary any of these
terms and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or
not, or to withdraw it altogether at any point in time, without any prior notice.

4.9. RBL Bank shall not be responsible or liable in any manner whatsoever for any deficiency or inadequacy
of service rendered by BookMyShow for any loss whatsoever of any nature suffered by any
Cardmember.

4.10. The above Offer is by way of a special offer for Cardmembers and nothing contained herein shall
prejudice or affect the terms and conditions of the card member agreement. The terms of the above
schemes shall be in addition to and not in derogation of the terms contained in the Card member
agreement.

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RBL Bank displays the Offers/ services extended by third parties to RBL Bank's customers and RBL Bank is
not rendering any of these Offers/ services. RBL Bank does not act as express or implied agent of the said
third parties vis-a-vis the customers. RBL Bank is neither guaranteeing nor making any representation with
respect to the Offers/ services provided by the third parties. RBL Bank is not responsible for quality of the
products/ services provided by the third parties. For any queries, complaints, issues and/ or feedback shall
be directly dealt with the third parties only. The Offers/ services may also be available at other platforms.
The customer's participation to avail such Offers/ services is purely voluntary.

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