Comparison

INC.C Payments vs Earnr

Price, ratings, monetisation and update history for both apps, side by side β€” with what reviewers say about each.

Head to head
About

INC.C Payments

Features
Read full description

Empower your business by giving your customers and/or staff a prepaid card. INC.C Mastercard can be spent everywhere Mastercard is accepted. Download the INC.C App to activate your card, track spending, lock cards or cancel them. Load your card to your virtual wallet for convenient spending at your fingertips.

About

Earnr

Read full description

Built by former ANZ Bank executives. Savers, Retirees, SMSFs, Trusts, Businesses: 1. Open an Earnr Account in 2-7 minutes 2. Get started with Earnr Yield from $5,000 3. Earn higher interest, paid monthly - Earn up to 6.00% p.a secured over 2x by Cash & Australian Property - No hidden signup or account fees - Bank grade security CUSTOMER SUPPORT You can contact our support team by sending an email to support@earnr.com.au or calling our Sydney office on 1300 332 062. IMPORTANT INFORMATION β€œEarnr” is a registered trademark of Earnr Holdings Pty Ltd. The Earnr App is operated by Earnr Australia Pty Ltd – Authorised Representative of AFSL 224107. A Product Disclosure Statement (PDS) and Target Market Determination is available on the Earnr website. All information provided is general information only. It does not purport to be complete, nor does it take into account your particular circumstances, investment objectives, financial situation or needs, and is not intended to constitute investment, legal or taxation advice. Accordingly, it should not be relied upon as a substitute for detailed financial advice or used as a basis for making investment or other decisions. Before making any decisions, taking any action or refraining from taking any action, you should consider whether this information is appropriate to your objectives, circumstances, financial situations and needs. Earnr recommends you seek independent professional advice. Earnr Yield ARSN 651 645 715 is an ASIC registered Australian fund offering different investment products. The investment products are not bank deposits, and like all investments, are subject to risks which are set out in the product disclosure statement for the Earnr Yield dated 14 October 2021, a copy of which is available on https://beta.earnr.com.au or https://www.earnr.com.au.

Screenshots

INC.C Payments3 screens
Earnr4 screens

Verdict

The call

The clearest difference is ads: INC.C Payments at none against Earnr's shown. Earnr's advantage is update cadence (every 3 months vs every 6 months). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

INC.C Payments ships an update every 6 months, Earnr every 3 months. The most recent releases landed on October 8, 2026 and October 14, 2026 respectively.

Scorecard2 real differences Β· 4 level
INC.C Payments versus Earnr: the parameters behind the verdict, then further details
ParameterINC.C PaymentsEarnr
PriceFreeFree
Update frequencyEvery 6 monthsEvery 3 months β€” better
AdsNo β€” betterYes
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPad, iPod β€” better
Requires iOS13.013.0
Further details β€” not scored
Size55 MB17 MB
Age rating4+4+
DeveloperIN.C.C Payments Pty LtdEARNR HOLDINGS PTY LTD

In-app purchases

None

INC.C Payments

No in-app purchases

None

Earnr

No in-app purchases

Questions

Is INC.C Payments free?
INC.C Payments is free to download, with no in-app purchases.
Is Earnr free?
Earnr is free to download, with no in-app purchases.
Do INC.C Payments or Earnr have ads?
Earnr shows ads; INC.C Payments does not.
Which is updated more often, INC.C Payments or Earnr?
INC.C Payments ships an update every 6 months, and Earnr every 3 months. Most recently, INC.C Payments was updated on October 8, 2026 and Earnr on October 14, 2026.

Other comparisons