RBL Bank Mocash Credit Card vs IDFC FIRST Millennia Credit Card

* 1 Reward point / Rs. 100 spent except fuel
* 2 Reward points / Rs. 100 on online spends
* Get 10% discount on movie bookings at Bookmyshow, 15 times in a year
* Avail Rs. 1000 shopping voucher on every Rs. 1 lakh spent online, a maximum of 5 times in a year
* Fuel Surcharge Waiver: Get waiver of fuel surcharge up to Rs. 100 a month for fuel transactions between Rs. 500 and Rs. 4000
* MoCash gives the complete flexibility to avail a line of credit within minutes. Anytime transfer funds from the MoCash app to the registered bank account and payback in easy EMIs
* MoCash also provides the convenience of using a physical credit card for retail and online purchases
* Instant Decisioning: Get to know the credit limit on RBL Bank MoCash app within 3 minutes
* No usage No interest: Only pay interest on the amount borrowed
* 24/7 instant funds transfer: Transfer funds to the registered bank account whenever desired
* Pay back the loan borrowed in EMIs as per desired tenure
* Convert the Card spends into EMIs from the MoCash app

• Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
• 5% cashback on making the first EMI transaction made within 90 days of card set-up
• Avail 10X Reward Points on all transactions above Rs. 20,000
• Avail 6X Reward Points on Online Spends and 3X Reward Points on all Offline Spends
• Once a month, get a 25% discount on movie tickets up to Rs. 100
• Personal Accident Cover of Rs. 2 Lakh
• Avail 20% discount on 1500+ Restaurants and 15% discount on 3000+ Health & Wellness Outlets
• Free Road Side Assistance(RSA) worth Rs. 1,399
• 1% Fuel surcharge waiver at any fuel stations in India up to Rs. 200 every month
• 10X Rewards on all spends done on your Birthday

Pros
* Movie Benefits
* Online Shopping Benefits
* Pay back the loan borrowed in EMIs as per desired tenure and convert the Card spends into EMIs from the MoCash app

Cons
* No golf benefits
* No airmiles
* No complimentary airport lounge access

Pros

• Lifetime free credit card
• Complimentary Railway lounge access
• NIL Overlimit fees, NIL Addon charges

Cons

• No milestone benefits
• Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
• No Airport Lounge Access