MoCash Credit Card

Joining Fee

₹500

Annual Fee

Rs. 500 (Reversed on annual spends of Rs. 1 Lakhs)

Rewards
Shopping
Lifestyle
Best For: Those needing instant credit line with physical card, Online shoppers, Movie goers

MoCash Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Pros

  • Instant credit line decisioning within 3 minutes
  • Pay interest only on amount borrowed
  • Welcome bonus of 2,000 reward points
  • Movie discount at BookMyShow
  • Online shopping voucher milestone benefit
  • Fuel surcharge waiver
  • Flexible EMI repayment options

Cons

  • No longer accepting new applications
  • Annual fee of INR 500
  • Reward redemption fee of INR 99+GST per redemption day
  • No reward points on fuel, utilities, railways, rental, wallet load, insurance transactions

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Reward redemption fee of INR 99+GST applicable on reward point redemptions

Base and accelerated reward points not earned on fuel, utilities, railways, rental, wallet load, insurance and miscellaneous categories

Shopping voucher capped at 5 times per year

Movie discount limited to 15 times per year

Key Benefits & Features

Detailed benefits inside

Notable Exclusions

No reward points on fuel transactionsNo reward points on utility transactionsNo reward points on railway transactionsNo reward points on rental transactionsNo reward points on wallet load transactionsNo reward points on insurance transactions

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.

About MoCash Credit Card

The RBL Bank MoCash Credit Card, issued in association with MWYN Tech Pvt Ltd (MoneyTap), is an innovative financial product that combines the power of an instant credit line with the convenience of a physical credit card. Designed for those who need flexible access to funds, the card allows users to transfer money directly to their registered bank account within minutes and repay in easy EMIs of their chosen tenure. Cardholders pay interest only on the amount borrowed, making it a practical choice for managing everyday expenses. New cardholders receive 2,000 reward points upon card activation within 30 days. Ongoing rewards include 1 reward point per INR 100 spent on general purchases and 2 reward points per INR 100 on online spends. Movie enthusiasts benefit from a 10% discount on BookMyShow bookings up to 15 times per year, while avid online shoppers can earn an INR 1,000 shopping voucher for every INR 1 lakh spent online, redeemable up to 5 times annually. A fuel surcharge waiver of up to INR 100 per month is also available on eligible fuel transactions. The card carries an annual membership fee of INR 500 plus taxes, with a spend-linked waiver available from the second year onwards for cardholders who spend INR 1 lakh or more. Please note that RBL Bank is no longer accepting new applications for the MoCash Credit Card.

Expert Review

Our Verdict

Combines instant credit line with a physical card; earn points on spends with movie & shopping perks.

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