RBL MoCash Credit Card Review

The RBL mocash credit card is quite popular among Indians looking for a low-cost credit card for their regular usage. Targeting the huge Indian customer base, this rbl credit card features useful rbl credit card rewards with every transaction, attractive discounts on movie tickets, bonus rewards on milestone spending, and lots more. A detailed description of the rbl credit card benefits is given below.

How does the MoCash rbl credit card eligibility work?

  • Resident Type: Indian. 
  • RBL bank credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above Rs. 25,000 monthly. 
  • RBL bank credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs.
    • Income: Above Rs. 35,000 monthly.
  • A CIBIL score of 700+ is needed to apply for this rbl bank card.

You can apply for this card from the RBL credit card application online portal. Once your rbl credit card application is submitted successfully, you can track your credit card application status from the rbl credit card application status tracking page

What documents are required to apply for an rbl bank credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photograph
  • 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.

What are the RBL MoCash credit card fees?

  • RBL credit card joining fee: Rs.500 + GST
  • RBL credit card annual fee: Rs.500 + GST

What are the MoCash rbl credit card benefits?

  • An attractive gift to welcome you:

As you activate your card and pay the first-year joining fee, you will receive 2000 rbl credit card reward points as a welcome gift. The rbl bank rewards points will be credited within 30 days of your credit card activation.

  • Make your transactions more rewarding:

The rbl credit card rewards are offered like this

Category of transaction

RBL points for every Rs.100 transaction
Regular credit card usage (excluding fuel) 1 rbl rewards point
Online expenses 2 rbl bank credit card rewards

You can also check your reward balance using the rbl my card app.

  • Enjoy attractive rbl bookmyshow offers:

If you book a movie ticket from BookMyShow using this card, you will get a 10% discount on it. This RBL credit card movie offer is available 15 times a year. 

  • Get freedom from fuel surcharges:

This rbl bank credit card offers up to Rs.100 monthly waivers on fuel surcharges across all fuel stations in India. The RBL credit card transaction amount should be between Rs.500 to Rs.4,000. 

  • Get an opportunity to earn some extra:

Every time you cross the Rs.1 lakh spending milestone with your card, you will receive an Rs.10,000 shopping voucher. You can get this rbl credit card offers 5 times a year.

  • Instant rbl bank credit card payment options:

You can pay your credit card bill online using your rbl bank credit card online banking account, or by using any credit card payment app like Cred, Paytm, PhonePe, Google Pe, etc.

Also, if you don’t like the online rbl credit card bill payment options, then you can make your rbl bank credit card payment through neft, cheque, or from your nearby ATM.

  • Advanced security arrangements:

This mastercard credit card is equipped with the advanced EMV chip, this chip with its robust encryption method makes your card nearly impossible to clone. 

What are the rbl bank credit card charges?



RBL credit card charges on cash withdrawal 2.5% against the amount, Min Rs. 500 (Check your rbl bank credit card limit before making a withdrawal )
RBL card finance charge The rbl bank credit card interest rate can go up to 3.99% monthly (applicable if you don’t make rbl credit card payment on time)
RBL international credit card transaction charge 3.5% against the transacted amount
RBL add-on card fee None

How to contact the rbl credit card customer care department?

  • 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: cardservices@rblbank.com  

100xGain Ratings:


Pros and cons of RBL MoCash Credit Card:



  • This rbl credit card offers a bid discount on movie tickets.
  • The rate of earning rbl reward point is quite impressive.
  • There are no dining or travel benefits on this rbl credit card.

Final Opinion:

If you are looking for a secondary credit card that can provide you with financial support during emergencies then this card will be a solid choice for you. You can also use this card for regular usage and can earn some handsome monthly savings via reward points. 

But if you are looking for a premium credit card, then you will be disappointed with this card. Therefore, I would suggest you take a look at our best premium credit cards page.  

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)


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