MyFinCards
MoCash Credit Card

Joining Fee

₹500

Annual Fee

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

RBL Bank
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.

Official Terms & Conditions

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.

Frequently Asked QuestionsAbout MoCash Credit Card

APPLICATIONIs the RBL Bank MoCash Credit Card still available for new applicants?
No, RBL Bank is no longer accepting new applications for the MoCash Credit Card. The card was issued by RBL Bank Ltd in association with MWYN Tech Pvt Ltd (MoneyTap). Existing cardholders can continue to use their cards and enjoy the benefits associated with the MoCash program. If you are looking for a new credit card, you may explore other RBL Bank credit card offerings.
FEESWhat is the annual fee for the MoCash Credit Card?
The RBL Bank MoCash Credit Card comes with an annual membership fee of INR 500 plus applicable taxes. From the second year onwards, the annual fee can be waived if you spend INR 1 lakh or more on the card during the year. There is also a joining fee of INR 500 applicable at the time of card issuance.
BENEFITSWhat is the welcome benefit on the MoCash Credit Card?
New MoCash Credit Card holders receive 2,000 bonus reward points as a welcome benefit upon activating their card within 30 days of card issuance. This is a one-time benefit credited to your rewards account after successful card activation. These reward points can be redeemed as per the applicable terms and conditions of the MoCash rewards program.
REWARDSHow do reward points work on the MoCash Credit Card?
The MoCash Credit Card earns 1 reward point for every INR 100 spent on regular transactions and 2 reward points for every INR 100 spent on online purchases. Please note that reward points are not earned on fuel, utilities, railways, rental, wallet load, insurance, and certain miscellaneous category transactions. This exclusion on accelerated and base reward points has been in effect since October 9, 2023.
REWARDSIs there a fee for redeeming reward points on the MoCash Credit Card?
Yes, effective August 15, 2022, a reward redemption fee of INR 99 plus GST is applicable each time you redeem your available reward points on RBL Bank Credit Cards, including the MoCash Credit Card. This fee is levied only once per day, regardless of how many redemptions you make in a single day. Please factor in this fee when planning your reward point redemptions.
BENEFITSWhat movie benefits does the MoCash Credit Card offer?
MoCash Credit Card holders can enjoy a 10% discount on movie bookings made through BookMyShow. This discount is available up to 15 times in a year, making it a great benefit for movie enthusiasts. The discount is applicable on eligible movie ticket bookings via the BookMyShow platform. Terms and conditions apply, and cardholders should check the latest offer details on the BookMyShow or RBL Bank website.
BENEFITSWhat online shopping benefits are available on the MoCash Credit Card?
MoCash Credit Card holders can earn an INR 1,000 online shopping voucher for every INR 1 lakh spent online. This milestone benefit is available up to a maximum of 5 times in a year, meaning you can earn vouchers worth up to INR 5,000 annually on reaching spending milestones. This benefit is designed to reward cardholders who frequently shop online. Terms and conditions apply.
BENEFITSDoes the MoCash Credit Card offer a fuel surcharge waiver?
Yes, the MoCash Credit Card offers a fuel surcharge waiver of up to INR 100 per month. The waiver is applicable on fuel transactions that are between INR 500 and INR 4,000 at fuel stations. Note that reward points are not earned on fuel transactions. The fuel surcharge waiver is subject to terms and conditions, and eligible transactions must fall within the specified transaction value range.
BENEFITSWhat is the instant credit line feature of the MoCash Credit Card?
The MoCash Credit Card uniquely combines the power of an instant loan with a credit card. You can know your credit limit on the RBL Bank MoCash app within just 3 minutes of applying. The card allows you to transfer money 24/7 to your registered bank account as needed. You only pay interest on the amount you actually borrow, and you can repay the loan in easy EMIs of your chosen tenure.
USAGEHow can I repay loans or convert spends to EMI on the MoCash Credit Card?
MoCash Credit Card offers flexible repayment options. When you transfer money from the MoCash app to your registered bank account, you can repay it in EMIs over a tenure of your choice. Additionally, you can convert your card spends into EMIs directly through the MoCash app. This flexibility makes it easier to manage your finances by breaking down larger expenses into manageable monthly installments.
REWARDSOn which transactions are reward points NOT earned on the MoCash Credit Card?
Reward points, including both base and accelerated points, are not earned on the following transaction categories: fuel (MCC codes 9752, 5541, 5983, 5172, 5542), utilities (MCC 4900), railways (MCC 4112, 4011, 4111), rental (MCC 6513), wallet load (MCC 6540), insurance (MCC 6300, 5960), and other miscellaneous categories as specified in the Product Terms and Conditions. This exclusion has been applicable from October 9, 2023.
INTERNATIONALCan I use the MoCash Credit Card for international transactions?
The MoCash Credit Card page does not specify foreign exchange markup fees or international transaction benefits, suggesting the card is primarily designed for domestic use in India. The card does not advertise any international travel or forex benefits. If you frequently travel abroad or make international purchases, you may want to consider an RBL Bank credit card that is specifically designed for international usage with competitive forex markup rates.
CANCELLATIONHow can I cancel or close my MoCash Credit Card?
To cancel or close your RBL Bank MoCash Credit Card, you can contact RBL Bank customer care directly. You may raise a query or request through the RBL Bank official website under the 'Raise a Query / Request / Complaint' section, or contact the bank's customer service helpline. Before cancelling, ensure all outstanding dues are cleared and any unused reward points are redeemed, as they may lapse upon card closure. Note that RBL Bank is no longer issuing new MoCash cards.
OTHERWho issues the MoCash Credit Card and what is its partnership structure?
The RBL Bank MoCash Credit Card is issued by RBL Bank Ltd in association with MWYN Tech Pvt Ltd, which operates under the brand MoneyTap. There is a revenue sharing arrangement between RBL Bank and MoneyTap for this card. The partnership combines RBL Bank's banking infrastructure with MoneyTap's fintech capabilities to deliver instant credit line decisioning and flexible loan features through the MoCash app.
DOCUMENTSWhat documents are typically required for a credit card application like the MoCash Credit Card?
While the MoCash Credit Card is no longer accepting new applications, typical documents required for RBL Bank credit card applications include: proof of identity (Aadhaar card, PAN card, passport), proof of address (utility bills, Aadhaar), income proof (salary slips, bank statements, or ITR for self-employed), and a recent passport-sized photograph. Since the MoCash card involved instant decisioning via the MoneyTap app, the documentation process was primarily digital. Please refer to RBL Bank's official website for current requirements.

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