RBL Bank Mocash Credit Card vs SBI SimplyClick Credit Card

Joining Fees

₹500

₹499

Editor's Rating

3.7

3.7

Key Features

* 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

  • On joining SimplyCLICK SBI Card, get Amazon.in gift card worth Rs. 499
  • On online spends with exclusive partners - Apollo 24x7/BookMyShow/ Cleartrip/ Dominos/ Myntra/ Netmeds/ Swiggy/ Yatra, earn 10X Reward Points
  • Earn 5X rewards on all other online spends
  • Earn 1 reward point per Rs. 100 on all other spends
  • Get e-voucher worth Rs. 2,000 each on reaching annual online spends of Rs. 1 Lakh and Rs. 2 Lakhs respectively. Voucher Brand : Cleartrip/Yatra
  • 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs 3000 (exclusive of GST, wherever applicable, & all other charges)
  • Spend Rs 1,00,000 and get annual fee reversed for the SimplyCLICK SBI card in the subsequent year
  • Simply wave the card at a secured reader and the transaction will be done. Maximum payment of Rs. 5,000 allowed per contactless transaction
  • Transfer outstanding balance of other banks’ credit cards to SimplyCLICK SBI Card, and avail a lower rate of interest and pay back in EMIs
  • With Flexipay facility, convert transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using SimplyCLICK SBI Card , and log in to sbicard.com within 30 days of purchase to convert it into Flexipay

Editor's Review

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

  • Earn 1 reward point per Rs.100 on all other spends  
  • e-voucher worth Rs. 2,000 on annual online spends of Rs.1 Lakh
  • e-voucher worth Rs. 2,000 on annual online spends of Rs.2 Lakhs

Cons

  • No Golf/coaching sessions
  • No particular benefits on travel, dining or entertainment
  • Limited options for reward redemption


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