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Mo Cash Credit Card

Product Details
Credit Card Name : 

Mo Cash Credit Card

Bank Name :

RBL Bank

Type :

Rewards Credit Card

Interest Rate : 

Interest Rates/ charges: upto 3.99% p.m (upto 47.88% p.a)

Eligibility :

You must be at least 18 years old
Your minimum income must be from Rs. 1 lakh to Rs. 3 lakhs p.a.
You must be either self-employed or salaried

Mo Cash Credit Card
  • Welcome Benefit: Cardholders get 2000 Reward Points on Card activation within 30 days. 

  • Reward System: 1 Reward point/ INR 100 spent except fuel, and 2 Reward points/ INR 100 on online spends. 1 RP = 0.30 paisa. Effective Cashback Rate: 0.3%, and 0.6% for online spents. 

  • Milestone Benefit: Get INR 1,000 shopping voucher on every INR 1 lakh spent online, a maximum of 5 times in a year. 

  • Other Benefits: 10% discount on movie tickets. 


- Low cashback rate. 

- Lacks standard features like free lounge visits. 

- No airmiles. 

- Reward redemption fee is charged upon existig customers. 

- Annual membership fee has to be paid.

 - No reward points on fuel spends.

Pros & Cons
Welcome Benefits
Welcome benefit: 2000 Reward Points on Card activation in 30 days
Rewards System
  • 1 RBL reward point= Rs 0.30 

  • You get 1 reward point on every INR 100 spent 

  • You get 2 Reward points on every INR 100 spent online. 

  • General Cashback Rate: 0.3% 

  • Online Cashback Rate: 0.6%

International Forex Markup
Welcome Benefits and Reward System
Special Features
It has feature for both instant loan and credit card. With this card, a user can transfer loan amount in their bank account and pay back in easy EMIs.
Eligibility Criteria

You must be at least 18 years old
Your minimum income must be from Rs. 1 lakh to Rs. 3 lakhs p.a.
You must be either self-employed or salaried

  • Instant loan option

  • Welcome benefit 

  • Shopping offers 

  • Milestone benefit 

  • Free Movie Ticket. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

Here are the steps on how to apply for RBL Bank's Mo Cash Credit Card: 

  • Go to the RBL Bank website and click on the "Apply for Credit Card" tab. 

  • Select the "Mo Cash Credit Card" from the list of credit cards. 

  • Enter your personal and financial information, as well as your contact details. 

  • Upload a copy of your PAN card and income proof. 

  • Submit your application. 

  • You will receive an email from RBL Bank within 2-3 working days regarding the status of your application. 

  • If your application is approved, you will receive your credit card within 7-10 working days.

Contact Details

RBL Bank Credit Card Helpline
+91 22 6232 7777

Account Opening and Procedure
Mo Cash Credit Card

The RBL MoCash Credit Card is a good option for individuals who value flexibility and want quick access to funds through a credit line. The reward points, welcome bonus, and additional benefits like fuel surcharge waiver and purchase protection add value. However, the annual fee, lower reward rate compared to premium cards, limited redemption options, interest on loan disbursements, and potential customer service concerns are important to consider.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

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Fees & Charges
  • Joining fees/Annual membership Fees: 500 + GST 

  • The Membership Fee for the second year is Rs. 500/-, but is waived off on spends of Rs. 1 lacs or more in the previous year. 

  • Cash Advance fee: 2.5% of the cash amount withdrawn (minimum Rs 500) 

  • Late Payment fees: Up to Rs.100 - ZeroLate fee. Above Rs.100 -12.5% of total due amount (Max Rs. 1300/-) 

  • Finance charges/ Interest Charges: upto 3.99% p.m (upto 47.88% p.a) 

  • Foreign Currency Transaction Fees: 3.5% 

  • Reward Redemption fees: Rs 99 

  • EMI Processing fees : Rs 199 + GST Fuel Surcharge: 1% surcharge on fuel transaction value or Rs.10/- whichever is higher.

Fuel Surcharge
Fuel Transaction Charge : 1% Surcharge on Fuel transaction value or Rs.10, whichever is higher. However, Fuel surcharge waiver of up to Rs.100 per month is available. (The Surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4,000.)
Billing Cycle

30 Days

Fees & Charges
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