SBI Card vs Happay Expense: which card and rewards app
SBI Card replies to 100% of unhappy reviews on Google Play, Happay Expense to 55%. Happay Expense does not read your SMS; SBI Card does. SBI Card does not read your contacts; Happay Expense does. Over the last 90 days of reviews, SBI Card averages 2.92 and Happay Expense 4.37. The most serious complaint about both is the same: "Nobody answers".
| SBI Card | Happay Expense | |
|---|---|---|
| Most serious thing people report | Nobody answers (5 of 398) | Nobody answers (5 of 392) |
| Does anyone answer complaints | 100% of low-star reviews · usually same day | 55% of low-star reviews · median 2d |
| Rating in the last 90 days | 2.92 (down 1.64 on lifetime) | 4.37 (down 0.35 on lifetime) |
| Last updated | this month | this month |
| Reads your SMS | yes | no |
| Reads your contacts | no | yes |
| Shows ads | no | no |
| Numbers confirmed on a register | 0 of 1 | 0 of 1 |
| Charges we could source | 1 as a figure, 2 quoted | not extracted yet |
| Charges only in the terms | 3 | not extracted yet |
How to read this
Every row comes from a public source: the app store listings, the reviews people left there, and the registers kept by RBI, SEBI and IRDAI. Where a row says "Not known", we have not measured it yet, which is different from the answer being no. Qrates takes no commission from either app.
Full pages: SBI Card · Happay Expense