Pay with Rewards vs Dilo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Pay with Rewards
This app lets you use your Mastercard rewards points like cash at millions of locations. Connect your card, set redemption preferences, and receive statement credits when you use your points for purchases.
- Spend points like cash
- Connect Mastercard card
- Configure redemption settings
- Receive statement credits
- View points balance
- Secure PIN protection
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Mastercard Pay with Rewards is only available on certain Mastercard cards. Please check with your issuer of your card for availability. Pay with Rewards allows you to spend your points like cash at millions of participating locations worldwide. This app allows you to connect a Mastercard card and configure when and where your points will be redeemed. When using your card, your payment is processed as normal. If you choose to redeem points you will receive a statement credit to your card. Getting Started * Connecting your card to the Pay with Rewards app is simple: enter your Pay with Rewards-enabled Mastercard card number and establish a four digit app PIN. The PIN will be used by the app to protect your personal settings and information. * Answer the security questions. Your questions are based on information your financial institution has on file. Select any one question from the list. If you have questions or are not able to proceed, please contact the issuer of your card. * The home screen will show your points balance, the cash equivalent of your points balance, and your current Pay with Rewards setting. Turn Pay with Rewards on for subsequent purchases, or leave it off and choose from recent purchases eligible for redemption under Activity.
Dilo
Manage your finances easily and securely from your phone. Send and receive money instantly, pay bills, and access a network of authorized agents for cash deposits and withdrawals. Enjoy a convenient digital wallet experience.
- Send and receive money instantly
- Load wallet via bank account or cash
- Pay over 450 services and bills
- Receive international remittances
- QR code payments
- Cash withdrawal via agents and ATMs
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¡Viví la nueva experiencia Dilo! Envía, pagá y recibí dinero. Dilo es tu plataforma digital para manejar tu dinero de forma fácil, rápida y segura. Enviá y recibí dinero, pagá servicios, comprá con QR, recibí remesas, recargá tu celular y administrá tus Tarjetas Dilo. Además, con Comercio Dilo podés recibir pagos con QR de forma fácil y rápida en tu negocio, todo desde un solo lugar. NUEVAS FUNCIONALIDADES Convertí tu app Dilo en Comercio Dilo Si tenés un pequeño comercio, negocio o emprendimiento, ahora podés recibir pagos digitales directamente desde Dilo. Con Comercio Dilo obtenés tu propio código QR para recibir pagos de forma fácil, rápida y segura. Tus clientes solo tienen que escanear tu QR desde Dilo, ingresar el monto y confirmar el pago. • Recibí pagos con QR directamente en tu Comercio Dilo. • Tené tu propio código QR para cobrar. • Recibí confirmación de tus pagos realizados. • Sin necesidad de efectivo, o equipos adicionales. ¡Ya están disponibles las Tarjetas Dilo! Administrá tus tarjetas Virtual y Física directamente desde la app, de forma rápida, segura y desde un solo lugar. Administrá tus tarjetas desde Dilo: • Congelar, descongelar o destruir • Asignar o cambiar PIN. • Destrucción segura. • Gestión completa en tiempo real. Cargá tu App Dilo con tarjetas de cualquier banco Recargá tu billetera con tarjetas Visa y Mastercard utilizando autenticación 3DS en todas tus transacciones para una experiencia más segura. Pagá más de 450 servicios Electricidad, agua, internet, telefonía, Cable, Financieras y mucho más, desde un solo lugar. Comprá boletos para tus eventos favoritos Nueva experiencia optimizada para comprar tu boletería de forma rápida y simple. Además podés: • Enviar y recibir dinero al instante • Cobra tus remesas 24/7 • Retirar efectivo sin tarjeta. • Recargar tu celular. • Administrar tus finanzas desde cualquier lugar.
Screenshots
Verdict
The clearest difference is review sentiment: Dilo at 100% against Pay with Rewards's 6%. Dilo also leads on rating (5.0 vs 4.2) and update cadence (every 2 weeks vs every 2 months). Pay with Rewards's advantage is ratings volume (77 vs 1) and iOS requirement (13.0 vs 15.1). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Dilo holds the better App Store score, 5.0 against 4.2. That said, the two scores are not equally well evidenced: Pay with Rewards has 77 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 6% of Pay with Rewards's written reviews are positive against 100% of Dilo's.
Pay with Rewards ships an update every 2 months, Dilo every 2 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | Pay with Rewards | Dilo |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (77 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 5.7% of reviews | 100.0% of reviews — better |
| Number of ratings | 77 — better | 1 |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 56 MB | 255 MB |
| Age rating | 4+ | 4+ |
| Developer | Mastercard International Incorporated | Dilo |
Customer experience
Pay with Rewards
Dilo
Bugs and requests
Pay with Rewards
Reported bugs
4 issues- One-time passcode delivery issues
- Stuck on terms and conditions screen
- White screen or crashes on launch
- Randomly logs out users and requires re-registration
Requested features
3 requests- Ability to view transaction history and points earned per purchase
- Option to redeem rewards through website instead of just the app
- Improved stability and consistency across updates
Dilo
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Pay with Rewards
No in-app purchases
Dilo
No in-app purchases
