RBL Bank Mocash Credit Card vs Kotak 811 #DreamDifferent 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

* No joining fee and annual fee
* Get 2 reward points against every Rs. 100 of online spends
* Get 1 reward point against every Rs. 100 of other spends
* Avail 500 bonus reward points on Activation + Rs. 5000 spends in the first 45 days of the card set up
* Interest free cash withdrawal: Withdraw cash up to 90% of the total credit limit. Processing fee of Rs. 300 per Rs. 10,000 withdrawal, and interest will not be charged up to 48 days on cash advance
* Balance Transfer: The processing fee of Rs. 349 per Rs. 10,000. Continued interest free period on fresh retail purchases. Simply call the bank to transfer other credit card balances
* Add-on Card: Add-on Cards will have all the benefits that is available on the main on Card
* Fuel & Railway  Surcharge waiver:  Get 1% across all petrol pumps for transactions between Rs. 500 and Rs. 3000, and 1.8%  for transactions on irctc.co.in and 2.5% Indian railway booking counters 

* Do note in addition to the reward points that will be earned on transactions, cardholder will even be eligible for bonus offers as mentioned below on achieving the spends criteria of Rs. 75,000 in an anniversary year as per eligibility. Cardholder can select any one of the below options:
Redemption Option 1: Cashback of Rs. 750
* Caim cashback within 3 months after anniversary year gets over.
*  If claimed, the cashback will reflect in the next billing cycle.

Redemption Option 2: 4 free PVR tickets
* Claim PVR tickets within 3 months after the anniversary year gets over.
* The PVR tickets can be used for any day and any show and they are transferrable.

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

* Do note in addition to the reward points that will be earned on transactions, cardholder will even be eligible for bonus offers as mentioned below on achieving the spends criteria of Rs. 75,000 in an anniversary year as per eligibility. Cardholder can select any one of the below options:
Redemption Option 1: Cashback of Rs. 750
* Caim cashback within 3 months after anniversary year gets over.
*  If claimed, the cashback will reflect in the next billing cycle.

Redemption Option 2: 4 free PVR tickets
* Claim PVR tickets within 3 months after the anniversary year gets over.
* The PVR tickets can be used for any day and any show and they are transferrable.

Cons:

* No complimentary golf/coaching sessions
* No Complimentary Airport Lounge Access