RBL MoCash Credit Card Review

RBl Bank is an Indian credit card company that offers a diverse range of credit cards. Their cards are jam-packed with distinctive rbl credit card features and functionality, and the RBL mocash credit card is no exception. This card combines a credit card for everyday purchases with a personal loan that allows you to access instant credit card loans in an emergency. You’ll also receive some appealing rbl credit card reward benefits, including exclusive movie promotions and additional incentives on milestone spending. This card is powered by Mastercard and comes with a Rs. 500 annual charge. The rbl credit card features are explored in greater detail below.

MoCash RBL Credit Card Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above Rs. 25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs.
    • Income: Above Rs. 25,000 monthly.
  • A good CIBIL Score (750 or more) is needed to get a higher credit limit on this card.

The RBL credit card application portal is where you may apply for this card. After you’ve successfully submitted your rbl credit card application, you can check the status of your application on the rbl credit card application status tracking page.

Documents Required To Apply For RBL MoCash Card:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 

MoCash RBL Credit Card Fees:

  • Joining Fee: Rs. 500 + GST
  • Annual Fee: Rs. 500 + GST

RBL MoCash Credit Card Benefits:

An attractive gift to welcome you:

You will receive 2000 rbl credit card reward points as a welcome gift when you activate the card. To be eligible for this deal, you must pay the membership fee on time. Within 30 days of activating your credit card, you will receive your rbl bank rewards points.

Earn reward points from every transaction you make:

For every Rs. 100 spend on this card, you will receive 1 reward point. On online transactions, you will also receive 2 rbl bank reward points. You can use your rbl bank reward points to book a flight, recharge your phone, pay your bills, or purchase a product from the rbl credit card rewards catalogue. The rbl my card app can also be used to check your reward balance.

Attractive rbl bookmyshow offer to make your evenings more special:

If you use this card to purchase a movie ticket from BookMyShow, you will receive a 10% discount. This RBL credit card movie promotion is only valid on BookMyShow.

Freedom from fuel surcharges:

This rbl bank credit card gives up to Rs. 100 in gasoline surcharge waivers, which are valid at most Indian gas stations. The amount of the RBL credit card transaction should be in the range of Rs. 500 to Rs. 4,000.

Extra benefits on milestone spending:

You will receive a Rs. 1000 shopping voucher if you can spend Rs. 1 lakh online using your card. This promotion can be used up to five times every rbl credit card statement cycle. In addition, if you spend Rs. 1 lakh on your card in a year, the yearly charge for the following year is waived.

Instant credit card loan facility to assist you during emergencies:

You can acquire a quick loan against your credit limit and have it sent to your bank account with RBL MoCash. You can virtually instantaneously transfer money from your credit card to your bank account with the MoCash app. Your rbl credit card loan can also be repaid in monthly instalments.

Easy EMI conversion:

You have the option of repaying the loan in EMIs. You can convert any card balance into EMI using the rbl bank credit card app. The rbl bank credit card emi calculator may be used to calculate the applicable rbl credit card emi interest rate as well as the monthly instalment amount.

Lifetime free addon credit card for your family:

You may show off the cool features of your cards to your friends and family. Simply add your loved ones to your card (minimum age – 18+) and they will be able to use the benefits of a credit card as well.

Security of the advanced EMV chip:

This card comes with a built-in EMV Chip. It adds more security and convenience to your transactions.

Convenient rbl bank credit card payment options:

Your credit card bill can be paid online through your rbl bank credit card online banking account or with any credit card payment app. If you don’t have access to any of the above-mentioned rbl credit card bill payment alternatives, you can pay your rbl bank credit card bill via neft, check, or an ATM near you.

Use your card anywhere in the world without restrictions:

This card is accepted worldwide, and you can use it at any store or e-commerce site that accepts Mastercard credit cards.

RBL MoCash Credit Card Charges:

ParticularsPayable 
RBL credit card charges on cash withdrawal2.5% against the amount, Min Rs. 500 (Check your rbl bank credit card limit before making a withdrawal )
Mocash card finance chargeThe rbl bank credit card interest rate can go up to 3.99% monthly.
RBL currency conversion charge3.5% against the transacted amount
RBL add on card feeNone

MoCash RBL Credit Card Customer Care Contact Details:

  • Call the rbl credit card customer care number: 022-6232-7777 or 022-7119-0900 (Super Card)
  • Write to the rbl credit card customer care email id: [email protected]  

Cashback beta Ratings:

3.5/10

Final Opinion:

If you are looking for a card that can provide you with financial support during emergencies then this card will be a solid choice for you. Actually, this card is ideal to be a secondary card that can provide you with financial support. But if you are going to get your very first credit card, then clearly this card is not for you. In this case, you can visit our top 10 beginners card page, you can find some of the best beginners cards there. Also if you want to compare some alternative card options then take a look at the alternative card options given below. 

Alternative Cards: 

  1. ICICI bank coral credit card against fixed deposit. (Best for lounge access and entertainment benefits)
  2. Indusind Bank Pioneer Legacy Credit Card. (Best for lounge access and movie benefits)
  3. RBL Bank Paisa on Demand Credit Card. (Best for reward points and movie benefits)