Comparison

MHC vs PerkVault

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

Head to head
About

MHC

Features
Read full description

MHC Mobile application is a full-fledged mobile solution designed to offer you seamless facilities on your fingertip, with a convenient, friendly and safe access to your MHC accounts, anytime, anywhere. Download, install and register for your Mobile Personal Identification Number (MPIN) and you’re ready to go. Login and transact in a secure way thanks to the designed key features: → View your Loans, Savings and Term Deposits statuses and details. → Account summary & transaction history. → Transfer money within MHC and to other local banks. → Raise and track your queries. → View and download your statements. → Information about MHC branches

About

PerkVault

Effortlessly track and maximize the value of your credit card perks. This app helps you discover hidden benefits, monitor their usage and expiration, and optimize spending for rewards.

Highlights
  • Track credit card benefits
  • Monitor perk usage and expiration
  • Optimize spending for rewards
  • Set and track reward goals
  • Card recommendation tool
  • Home screen widgets
Features
Read full description

Your credit cards come loaded with perks worth hundreds — even thousands — of dollars every year. Most people use less than half of them. PerkVault changes that. PerkVault is the simplest way to track every benefit across all your credit cards in one place. Know exactly what you have, what you've used, and what's about to expire — before you lose it. TRACK YOUR BENEFITS Add your cards and see every perk at a glance — dining credits, travel credits, streaming reimbursements, lounge access, and more. Watch your progress toward each benefit with visual progress bars and get alerted before credits expire. SPEND SMARTER Not sure which card to use at a restaurant? PerkVault's Spending Insights ranks your cards by category so you always swipe the right one — whether you're optimizing for cash back, points, or best overall value. TRACK YOUR REWARDS GOALS Set goals for your points and miles and track your progress in real time. Whether you're saving up for a flight, a hotel stay, or a cash back reward, PerkVault keeps you on track. FIND YOUR NEXT CARD Not sure which card fits your lifestyle? The built-in Card Finder walks you through your spending habits and recommends the best cards for you. HOME SCREEN WIDGETS Keep your most important perks front and center with PerkVault's home screen widgets — expiring benefits, wallet snapshot, and goals all at a glance without opening the app. YOUR DATA STAYS ON YOUR DEVICE PerkVault stores everything locally on your iPhone. No accounts, no servers, no data sharing. Your financial information never leaves your device. Download PerkVault and start getting the most out of every card in your wallet.

Screenshots

MHC4 screens
PerkVault3 screens

Verdict

The call

The clearest difference is update cadence: PerkVault at weekly against MHC's monthly. MHC's advantage is iOS requirement (15.0 vs 26.2). On price, ads, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

MHC ships an update monthly, PerkVault weekly. The most recent releases landed on October 25, 2026 and October 7, 2026 respectively.

Scorecard2 real differences · 8 level
MHC versus PerkVault: the parameters behind the verdict, then further details
ParameterMHCPerkVault
PriceFreeFree
Rating—5.0 (3 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—3 — better
Update frequencyMonthlyWeekly — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 — better26.2
Further details — not scored
Size42 MB36 MB
Age rating4+4+
DeveloperMauritius Housing Company LTDStonham Studios LLC

In-app purchases

None

MHC

No in-app purchases

None

PerkVault

No in-app purchases

Questions

Is MHC free?
MHC is free to download, with no in-app purchases.
Is PerkVault free?
PerkVault is free to download, with no in-app purchases.
Do MHC or PerkVault have ads?
Neither MHC nor PerkVault shows ads.
Which is updated more often, MHC or PerkVault?
MHC ships an update monthly, and PerkVault weekly. Most recently, MHC was updated on October 25, 2026 and PerkVault on October 7, 2026.

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