RBL Bank World Safari Credit Card

Name: RBL Bank World Safari Credit Card
Brand: RBL Bank
Price: 3000 INR
Availability: InStock
Rating: 3.5 (1 reviews)

Overview

The RBL Bank World Safari Credit Card targets frequent international travelers with its headline benefit: zero foreign currency markup. While most Indian credit cards charge 3.5% plus 18% GST on overseas transactions, this card charges nothing. On a $1,000 international purchase, that translates to roughly ₹3,400 in savings. For anyone spending even moderate amounts abroad, this single feature can recover the ₹3,000 annual fee within one trip.Reward points accumulate at 2 per ₹100 on domestic retail and 5 per ₹100 on travel purchases. International transactions, despite the zero markup, earn no reward points. Milestone bonuses kick in at ₹2.5 lakh (10,000 points), ₹5 lakh (15,000 points), and ₹7.5 lakh (voucher worth ₹10,000 from brands like Amazon, Croma, and MakeMyTrip).The card includes a complimentary Priority Pass membership with 2 international lounge visits per year, plus additional visits unlocked through quarterly spending of ₹50,000 or more. Domestic airport lounges allow 2 visits per quarter when you spend ₹35,000 or more in the previous quarter. Travel insurance covering baggage loss, trip delays, passport loss, and personal liability is included at no extra cost.Mastercard holders also get golf privileges: 4 complimentary green fee rounds per year and one lesson monthly at courses across India. The 24/7 concierge desk handles golf, hotel, and dining reservations. A 1% fuel surcharge waiver applies on transactions between ₹500 and ₹4,000, capped at ₹250 per month. The card works best for people who travel internationally at least once or twice a year and want to avoid paying forex markups.

Pros

↑Zero forex markup saves roughly 4% on every international transaction, a benefit rarely seen on mid-tier cards at the ₹3,000 fee level
↑MakeMyTrip welcome voucher of ₹3,000 effectively offsets the entire first-year membership cost for new cardholders
↑Priority Pass membership with 2 international lounge visits per year is unusual at this price point, where most cards only provide domestic access
↑Complimentary travel insurance covers baggage loss, trip delays, passport loss, and dental treatment without requiring any spend threshold
↑Golf privileges include 4 free green fee rounds per year and monthly lessons across courses in India, a perk typically reserved for premium cards

Cons

↓International purchases earn zero reward points despite the 0% forex markup, reducing the overall value proposition for overseas spending
↓Domestic airport lounge access requires ₹35,000 quarterly spend in the previous quarter, making it conditional rather than automatic
↓No annual fee waiver option, so you pay ₹3,000 plus GST every year regardless of how much you spend on the card
↓RBL Bank has a smaller branch and ATM network compared to larger issuers like HDFC, ICICI, or SBI, which can affect in-person support access

Key Highlights

Welcome Offer
₹3,000 MakeMyTrip voucher on first transaction
MakeMyTrip voucher worth INR 3,000
Transact once within 30 days of card issuance
Pay membership fee within first billing cycle
Voucher emailed within 60 days of issuance
Voucher valid for 120 days from receipt

Reward Rate
5 points per ₹100 on travel spends
Travel purchases: 5 points per ₹100
Domestic retail: 2 points per ₹100
No reward points on international purchases
Points credited within 45 days of settlement

Minimum Salary
₹5 lakh/year (salaried, estimated)
Salaried: approx ₹5 lakh/year
Self-employed: approx ₹7 lakh/year
Age: 21 to 65 years
Indian citizen
Eligibility varies by applicant profile

Joining Fee
₹3,000 + GST
Joining fee: ₹3,000 + 18% GST
Welcome voucher of ₹3,000 offsets first-year cost
Reward redemption fee: ₹99 + GST per day

Annual Fee
₹3,000 + GST (no waiver)
Annual fee: ₹3,000 + 18% GST
No spend-based waiver available
Charged every membership year

Why Choose?
0% forex markup with Priority Pass access
0% markup on all foreign currency transactions
Priority Pass: 2 international lounge visits/year
2 domestic lounge visits/quarter (requires ₹35K spend)
Travel insurance: baggage, trip delay, liability
4 golf rounds + monthly lessons

Key Benefits

Fuel

★2.5

▼

1% fuel surcharge waiver across all fuel stations
Valid on transactions between ₹500 and ₹4,000
Maximum waiver of ₹250 per month
No reward points earned on fuel transactions

Lifestyle

★3.5

▼

4 complimentary golf green fee rounds per year across India
1 free golf lesson per month
50% discounted green fee beyond 4 complimentary rounds
Golf concierge available only for Mastercard holders
24/7 concierge desk: golf, hotel, dining, spa reservations
Concierge contact: 022 6232 7777

Milestone

★3.5

▼

10,000 bonus reward points on spending ₹2.5 lakh in a membership year
15,000 bonus reward points on spending ₹5 lakh in a membership year
₹10,000 voucher on spending ₹7.5 lakh (Taj, Amazon, Croma, Myntra, MakeMyTrip)
Milestone points credited within 45 days of crossing threshold
Voucher emailed within 45 days of crossing threshold

Reward Points

★3.0

▼

Domestic retail: 2 points per ₹100
Travel purchases: 5 points per ₹100 (2.5x multiplier)
International purchases: 0 points
Points credited within 45 days of settlement
Redeem at www.rblrewards.com for flights, hotels, and shopping
Reward redemption fee: ₹99 + GST (one-time per day)

Travel

★4.0

▼

0% markup on all foreign currency transactions
Saves approximately 4% per international purchase vs typical 3.5% + GST
Priority Pass membership included
2 complimentary international lounge visits per calendar year
Additional international visit if ₹50,000+ spend in a calendar quarter
Beyond free visits, charged up to $35 per visit
No reward points earned on international purchases

Airport Lounge Access

▼

Domestic: 2 visits per quarter if ₹35,000+ spend in previous quarter
International: Priority Pass with 2 visits per calendar year
Extra international visit if ₹50,000+ quarterly spend (via LoungeKey voucher)
Primary cardholder only
Beyond free visits: charged up to $35 internationally

Insurance

▼

Complimentary travel insurance included
Personal liability coverage
Trip delay protection
Baggage loss coverage
Loss of passport coverage
Dental treatment abroad

Detailed Information

Joining Fee	₹3,000 + GST
Annual Fee	₹3,000 + GST
Annual Fee Waiver	No waiver available
Monthly Percentage Rate	3.49%
Annual Percentage Rate	41.88%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	0% (zero markup on all foreign currency transactions)
Late Payment Charges	₹100 to ₹1,300 based on outstanding amount
Overlimit Charges	2.5% of overlimit amount
Cash Advance Fee	2.5% of amount (min ₹500)
Balance Transfer Fee	As per RBL Bank schedule of charges
Fee For Supplementary Card	As per RBL Bank schedule of charges
Card Replacement Fee	₹100 to ₹200
Fee For Duplicate Statement	₹50 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-60 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	₹5 lakh/year (estimated)
Minimum Annual Income Self Employed	₹7 lakh/year (estimated)
Minimum Credit Score	700+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Frequently Asked Questions

The annual membership fee is ₹3,000 plus 18% GST, bringing the total to ₹3,540. This fee applies every year with no spend-based waiver available. The first-year cost is offset by the ₹3,000 MakeMyTrip welcome voucher.

Make at least one transaction within 30 days of card issuance and pay your membership fee within the first billing cycle. The ₹3,000 MakeMyTrip voucher will be sent to your registered email within 60 days from card issuance. The voucher is valid for 120 days from the date you receive it.

All international transactions are processed at the exchange rate set by Mastercard with zero additional markup from RBL Bank. Most other credit cards charge 3.5% plus 18% GST (effectively 4.13%) on foreign currency transactions. On a $100 purchase, you pay exactly $100 worth of rupees with the World Safari, while other cards would charge you the equivalent of $104.13.

Travel purchases earn 5 reward points per ₹100, which is 2.5 times the base rate. All other eligible domestic retail transactions earn 2 points per ₹100. Points are credited to your account within 45 days of the transaction settlement date.

No. International purchases do not earn any reward points on the World Safari card. The card's international benefit is purely the 0% forex markup, which saves about 4% per transaction. If you want both zero markup and reward points on overseas spending, you would need a higher-tier card from another issuer.

Three milestone tiers exist in each membership year. Spend ₹2.5 lakh to earn 10,000 bonus reward points. Reach ₹5 lakh for 15,000 bonus points. At ₹7.5 lakh, you receive a voucher worth ₹10,000 redeemable at Taj Experiences, Amazon, Croma, Myntra, or MakeMyTrip. Milestone points and vouchers are credited within 45 days of crossing each threshold.

Primary cardholders get 2 complimentary domestic airport lounge visits per quarter, provided they spend ₹35,000 or more in the previous calendar quarter. Purchases on select categories do not count toward the lounge qualifying spend. If you do not meet the quarterly threshold, domestic lounge access is not available for that period.

Yes. The card comes with a complimentary Priority Pass membership providing access to over 1,400 international airport lounges worldwide. You get 2 complimentary lounge visits outside India per calendar year. An additional visit can be unlocked by spending ₹50,000 or more on the card in a calendar quarter, issued as a LoungeKey voucher. After using all free visits, each subsequent lounge visit is charged up to $35.

The complimentary travel insurance covers five areas: personal liability, trip delay, baggage loss, loss of passport, and dental treatment while traveling abroad. The coverage is automatic and does not require any minimum spend or separate enrollment. Check the detailed terms and conditions on the RBL Bank website for coverage limits and claim procedures.

Mastercard holders get access to premier golf courses across India with 4 complimentary rounds of green fee per year and one free golf lesson each month. Beyond the 4 free rounds, green fees are discounted by 50%. These golf privileges are exclusive to Mastercard holders and are not available on other network variants. Contact the golf concierge through RBL Bank customer service at 022 6232 7777.

A 1% fuel surcharge waiver applies across all fuel stations on transactions between ₹500 and ₹4,000. The maximum waiver is capped at ₹250 per month. Transactions below ₹500 or above ₹4,000 do not qualify for the waiver. Fuel purchases do not earn reward points.

Reward points can be redeemed at www.rblrewards.com for a variety of options including air travel, hotel bookings, shopping vouchers, electronics, and other merchandise. A reward redemption fee of ₹99 plus GST applies per day of redemption. Points earned as part of milestone benefits follow the same redemption process.

The finance charge is 3.49% per month, which works out to 41.88% per year. This applies to any outstanding balance carried past the payment due date. Paying the full statement balance by the due date each month avoids interest charges entirely. Always check your statement for the exact rate applicable to your account.

The minimum payment is 5% of the total outstanding balance or ₹200, whichever is higher. Paying only the minimum avoids late payment fees but triggers the 3.49% monthly finance charge on the remaining balance. Clearing the full amount each billing cycle is the most cost-effective approach.

Late payment fees range from ₹100 to ₹1,300 based on the total outstanding amount. These charges apply when you do not pay at least the minimum amount due by the statement due date. Repeated late payments may also impact your credit score and lead to RBL Bank reducing your credit limit.

Cash advances carry a fee of 2.5% of the withdrawn amount, with a minimum charge of ₹500. Interest at 3.49% per month starts from the date of withdrawal with no interest-free period. ATM cash withdrawal is one of the most expensive ways to use a credit card and should be avoided.

The RBL Bank World Safari Credit Card is issued on the Mastercard network. The "World" in the name refers to the Mastercard World tier, which includes perks like golf privileges and Priority Pass lounge access. The card works at any Mastercard-accepting merchant worldwide.

The dedicated concierge desk is available around the clock and assists with golf course referrals and reservations, hotel bookings, dining reservations, and spa or fitness centre information. Call the concierge at 022 6232 7777. The service is complimentary for all World Safari cardholders.

No. The ₹3,000 annual fee (plus GST) is charged every membership year regardless of spend. Unlike many competitors that waive annual fees at certain spend thresholds, the World Safari does not offer this option. The welcome voucher of ₹3,000 covers the first-year cost, but subsequent years carry the full fee.

For someone spending even ₹1 lakh internationally per year, the 0% forex markup alone saves about ₹4,130 compared to a card with standard 3.5% + GST markup. That more than covers the ₹3,540 annual fee. Add in 2 international lounge visits (worth roughly ₹4,000 to ₹5,000), complimentary travel insurance, and golf privileges, and the card pays for itself quickly. The main trade-off is zero reward points on international purchases, so your savings come entirely from the forex markup elimination.

For card-related queries, call the RBL Bank credit card helpline. For concierge services including golf, hotel, and dining reservations, call 022 6232 7777. You can also manage your card, make payments, redeem reward points, and adjust card settings through the RBL MyCard mobile app or RBL Bank net banking.

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

Related Products

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Cons