# 國泰優惠CUBE Rewards vs Richart Life

The clearest difference is review sentiment: 國泰優惠CUBE Rewards at 91% against Richart Life's 17%. 國泰優惠CUBE Rewards also leads on rating (4.7 vs 1.9) and ads (none vs shown). Richart Life's advantage is iOS requirement (13.0 vs 15.0). On price, update cadence, in-app purchases and monetization model there is nothing between them.

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

國泰優惠CUBE Rewards holds the better App Store score, 4.7 against 1.9. That said, the two scores are not equally well evidenced: 國泰優惠CUBE Rewards has 879 ratings behind it against 20, so its average is the more settled of the two. Written reviews point the same way: 91% of 國泰優惠CUBE Rewards's written reviews are positive against 17% of Richart Life's.

國泰優惠CUBE Rewards ships an update every 3 weeks, Richart Life every 4 weeks. The most recent releases landed on September 21, 2026 and August 21, 2026 respectively.

## The numbers

| Metric | 國泰優惠CUBE Rewards | Richart Life |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (879 ratings)](https://appshunter.io/ios/app/cube-rewards/id425309574/reviews)** | [1.9 (20 ratings)](https://appshunter.io/ios/app/richart-life/id1185371908/reviews) |
| Number of ratings | **879** | 20 |
| Positive reviews | **91.4% of reviews** | 17.1% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 3 weeks** | Every 4 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 118 MB | 251 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Cathay Financial Holdings](https://appshunter.io/developer/425309577) | [Taishin International Bank Co.,Ltd.](https://appshunter.io/developer/388917173) |

## What reviewers say

### 國泰優惠CUBE Rewards

[App page](https://appshunter.io/ios/app/cube-rewards/id425309574)

Enhance your points experience and enjoy a high-quality life with this app. Accumulate points equivalent to cash, redeem them for rewards, and participate in fun tasks to earn more. Access card services, receive exclusive offers, and manage your rewards effortlessly.

**Highlights:** Accumulate and redeem Tree Points, Complete tasks for bonus points, Manage credit card services, Access exclusive member offers, View spending alerts, Earn points through events

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly and intuitive interface
- 🎁 Abundant activities and promotional offers
- 🔄 Easy points/rewards redemption system
- 📱 Clean and well-organized layout
- ⚡ Convenient coupon and event access

**What reviewers complain about**

- 🐛 App crashes and freezes after updates
- 🔐 Login button unresponsive
- ❓ Unclear activity descriptions and mechanics
- 🔀 Fragmented experience (separate points app from main banking app)
- 🎲 Low winning probability in promotional events

**Reported bugs**

- App crashes and force closes after updates
- Login button becomes unresponsive
- Technical issues with no resolution from support team

**Requested features**

- Integrate points app into main Cathay Bank app
- Improve event win probability rates
- Better visibility of registered activity status history
- Enhanced customer support for technical issues


### Richart Life

[App page](https://appshunter.io/ios/app/richart-life/id1185371908)

This app integrates various financial and lifestyle services, including credit card management, loyalty point redemption, and mobile payments. It aims to provide a comprehensive and convenient platform for managing daily financial activities and accessing exclusive offers.

**Highlights:** Integrated lifestyle services, Mobile payment support, Loyalty point redemption, Credit card management, Real-time transaction notifications, Coupon access

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is 國泰優惠CUBE Rewards free?

國泰優惠CUBE Rewards is free to download, with no in-app purchases.

### Is Richart Life free?

Richart Life is free to download, with no in-app purchases.

### Which has better reviews, 國泰優惠CUBE Rewards or Richart Life?

國泰優惠CUBE Rewards is rated higher. 國泰優惠CUBE Rewards averages 4.7 out of 5 from 879 ratings, while Richart Life averages 1.9 from 20 ratings.

### Do 國泰優惠CUBE Rewards or Richart Life have ads?

Richart Life shows ads; 國泰優惠CUBE Rewards does not.

### Which is updated more often, 國泰優惠CUBE Rewards or Richart Life?

國泰優惠CUBE Rewards ships an update every 3 weeks, and Richart Life every 4 weeks. Most recently, 國泰優惠CUBE Rewards was updated on September 21, 2026 and Richart Life on August 21, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*