RBL MoCash Credit Card Review

RBL MoCash Credit Card’ is a MasterCard credit card from ‘RBL Bank of India’ this card is specially designed to give you more financial support. With this card, you can get instant Loans on your needs. You can also pay the loan back in monthly installments. Also, this card comes with several other features and benefits like – Instant money transfer, interest-only on uses, Fuel surcharge waiver, Shopping and Movie benefits, Easy reward points, and a big welcome gift. You will also enjoy some other features like – Add facility, EMI option, Annual fee waiver, EMV chip security, and lots more.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above ₹25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs.
    • Income: Above ₹25,000 monthly.
  • Good CIBIL Score (750 or more).

Required Documents:

  • 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
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹500 + GST
  • Annual Fee: ₹500 + GST


  • Welcome benefit:

With the activation with the card, you will get 2000 reward points as a welcome gift. To get this offer you have to pay the joining fee in time. The points will be credited within 30 days of card activation.

  • Reward benefit:

With this card, you will get 1 reward point for each ₹ 100 spends. Also, you will get 2 reward points for the same on online transactions.

  • Movie benefit:

If you book a movie ticket from BookMyShow using this card, you will get a 10% discount on it. this offer is applicable only on BookMyShow. 

  • Fuel surcharge waiver:

This card offers up to ₹100 waivers on fuel surcharges, this offer is applicable at most of the fuel stations in India. The transaction amount should be between ₹500 to ₹4,000. 

  • Milestone benefit:

If you can cross the ₹1 lakh online spending mark with your card you will get a ₹1000 shopping voucher. You can get this offer up to 5 times a month. 

Also if you can spend ₹1 lakh with your card within a year then the annual fee for the next year will be waived off. 

  • MoCash:

With RBL MoCash you can get an instant loan against your credit limit and transfer it to your bank account. 

  • Interest:

With MoCash you don’t need to pay for the amount that you have not used. You will only be charged for the amount that you have borrowed. 

  • instant money transfer:

With the MoCash app, you can transfer the loan amount directly to your bank account. 

  • EMI payment:

You can repay the taken loan amount in EMIs. with the help of MoCash app, you can convert any card balance into EMI. 

  •  Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card.

  • EMV Chip Card:

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

  • Global Acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the MasterCard Credit Cards are accepted.  


  • Cash Withdrawal Charge: 2.5% against the amount, Min ₹500.
  • Finance Charge: 3.99% monthly. 
  • Foreign currency transaction: 3.5% against the transacted amount. 

Contact Details:


  • 1800-121-9050 (Toll-Free)
  • +91-22-6232-7777
  • +91-22-7119-0900 (Super Card)


100xGain Ratings:


Final Opinion:

If you want a credit card that can offer you financial support during emergencies then this card can be a good option for you. it also offers benefits like a welcome benefit, reward program, movie benefit, free shopping voucher in achieving the milestone, fuel surcharge waiver, and lots more. 

But if you want benefits like lounge access or Cash-Back benefit, then I would not recommend you this card. Instead, you can go for Etihad Guest SBI Card, it charges a bit more but offers a lot more attractive benefits. And if you want to earn Cash-Back then you can go for Yes Prosperity Cashback Credit Card.  

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