RBL Bank
RBL World Safari Credit Card
This is an invite only card
Apply and get ₹800 Rewards
Top Benefits
Bonus Reward Points on Annual Spend Milestones
with 10,000 reward points on ₹2.5 lakh spends and 15,000 reward points on ₹5 lakh spends in a membership year
₹10,000 Voucher on ₹7.5 Lakh Annual Spends
₹10,000 Voucher on ₹7.5 Lakh Annual Spends
Best For
Shopping
Travel
The RBL World Safari Credit Card is built for people who travel frequently and want to stop paying extr...
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The RBL World Safari Credit Card is built for people who travel frequently and want to stop paying extr...
The RBL World Safari Credit Card is built for people who travel frequently and want to stop paying extra fees when spending abroad. Its biggest advantage is the zero forex markup on international transactions. When you swipe a regular credit card overseas, banks charge you an extra 2% to 3.5% on every purchase. With the RBL World Safari Credit Card, you pay no extra markup on those international swipes, making it highly valuable for frequent flyers and expats.
Beyond saving money on foreign exchange fees, this card focuses heavily on travel rewards. You earn 5 reward points for every Rs. 100 spent on travel bookings, plus you get free airport lounge access both in India and abroad. If you take at least one or two international trips a year, the savings on forex fees alone cover the cost of keeping this card in your wallet.
This card competes directly with other travel-focused credit cards by offering a strong welcome bonus. You receive a Rs. 3,000 MakeMyTrip voucher right after making your first transaction, which effectively offsets your first year's joining fee. Whether you want to book a hotel in Paris or pay a restaurant bill in Dubai, this card ensures you get the best value out of your travel budget.
View FAQ
Commonly Asked Questions
Is the RBL World Safari Credit Card lifetime free?
No, this card is not lifetime free. It comes with a joining fee of Rs. 3,000 and an annual renewal fee of Rs. 3,000 plus applicable taxes.
Who is the ideal user for this credit card?
This card is perfect for frequent international travelers and people who shop regularly on foreign websites. The zero forex markup feature provides maximum value for anyone spending in currencies other than the Indian Rupee.
What makes this card different from standard cashback cards?
Instead of giving flat cashback on groceries or online shopping, this card focuses on travel perks. It waives the standard international transaction markup and offers high reward points specifically on travel bookings.
Do I get any welcome benefit when I join?
Yes, you receive a MakeMyTrip voucher worth Rs. 3,000. You get this voucher after making your first transaction within 30 days of getting the card and paying the joining fee.
Expert Review
In my experience analyzing dozens of travel cards, the RBL World Safari Credit Card holds a very specific, powerful niche. The 0% forex markup is the undisputed star of the show. I have seen clients save upwards of Rs. 15,000 on a single European family vacation just by shifting their hotel and dining spends to this card instead of a standard bank card.
The welcome benefit is smartly structured. By giving a Rs. 3,000 MakeMyTrip voucher against a Rs. 3,000 joining fee, the bank makes the first year free for anyone who travels. Earning 5 points per Rs. 100 on travel spends is strong, and the inclusion of both domestic and international lounge access rounds out a very solid travel package.
However, the card is far from perfect. My biggest criticism is its rigid reward exclusion list combined with a high annual fee from year two. The fact that you earn absolutely zero points on utility bills, wallet loads, and rent makes it a poor choice for everyday domestic use. If you do not travel internationally at least once a year, paying Rs. 3,000 annually for a card that doesn't reward your electricity bill is a bad deal.
Verdict: Get this card solely as your dedicated travel companion. Keep it in your passport holder. Use it for booking flights, swiping at foreign restaurants, and accessing lounges. For your daily grocery and utility spends back home in India, pair it with a strong zero-fee cashback card.
Joining / Annual Fee
Joining Fees
₹3,540 ( ₹3000 + GST )
Annual Fees
₹3,540 ( ₹3000 + GST )
Understanding the fee structure is crucial before committing to a premium travel card. The RBL World Sa...
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Understanding the fee structure is crucial before committing to a premium travel card. The RBL World Sa...
Understanding the fee structure is crucial before committing to a premium travel card. The RBL World Safari Credit Card charges a one-time joining fee of Rs. 3,000 plus GST at the time of card issuance. However, the bank provides a Rs. 3,000 MakeMyTrip voucher upon your first transaction and fee payment, which completely offsets the cost of this initial joining fee.
From the second year onwards, you will be charged an annual renewal fee of Rs. 3,000 plus GST. This fee covers the ongoing benefits like lounge access and the zero forex markup perk. The bank waives this annual fee when you spend at least Rs. 5,00,000 within the year. If you use this card for all your major travel bookings, groceries, and shopping, hitting the annual waiver target is easy. If you miss the target, the Rs. 3,000 fee will reflect on your anniversary month statement.
View FAQ
Commonly Asked Questions
What is the exact joining fee for this card?
The one-time joining fee is Rs. 3,000 plus applicable taxes, charged in your very first billing cycle.
Do I get anything in return for paying the joining fee?
Yes, if you pay the Rs. 3,000 fee and make a transaction within 30 days, you receive a Rs. 3,000 MakeMyTrip voucher.
What is the yearly renewal fee?
The annual maintenance fee is Rs. 3,000 plus GST, which is charged every year starting from the second year of card membership.
Can I get the annual fee waived?
Yes, the annual fee is waived if you spend Rs. 5,00,000 or more in the preceding membership year.
How much do I need to spend to get the waiver?
You need to spend a minimum of Rs. 5,00,000 in a year to qualify for the annual fee waiver.
Does paying rent count toward the fee waiver target?
Rent, fuel, and wallet loads are excluded from the annual spending target and do not count toward the Rs. 5,00,000 requirement.
What happens if I fail to reach the waiver spending target?
If you do not meet the required spending amount within the year, the Rs. 3,000 fee plus GST will be charged to your card account automatically.
Can I convert this into a lifetime free card?
While this is a fee-based premium card, you can effectively make it free by reaching the Rs. 5,00,000 annual spend milestone to waive the renewal charges.
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
3LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
Getting approved for the RBL World Safari Credit Card requires you to meet specific age, income, and cr...
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Getting approved for the RBL World Safari Credit Card requires you to meet specific age, income, and cr...
Getting approved for the RBL World Safari Credit Card requires you to meet specific age, income, and credit score thresholds. The bank is strict about these rules to ensure cardholders can manage a premium travel card responsibly.
First, the age requirement. Whether you are a salaried employee or running your own business, you must be between 21 and 65 years old at the time of your application. If you are 20 years old, your application will be automatically rejected.
Second, the income requirement varies based on your employment type. If you work for a company and receive a regular salary, you need a minimum annual income of Rs. 3 lakh. This breaks down to Rs. 25,000 a month, making it accessible for many young professionals. If you are self-employed, a freelancer, or a business owner, the bank requires a minimum annual income of Rs. 4 lakh.
Finally, your credit history plays a massive role in the approval process. The bank requires a minimum CRIF credit score of 750. A score of 750 shows you have a history of paying your past loans and credit card bills on time. If your score is below 750, your application has a high chance of being declined, even if your income meets the minimum requirements.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary applicant must be at least 21 years old to be eligible for the RBL World Safari Credit Card.
What is the maximum age limit for applying?
Applicants must not be older than 65 years at the time they submit their credit card application.
What salary do I need to get approved?
Salaried individuals must have a minimum annual income of Rs. 3 lakh, which translates to a salary of Rs. 25,000 per month.
Can a self-employed person apply for this card?
Yes, both salaried and self-employed individuals are eligible to apply for this card.
What is the income requirement for business owners?
Self-employed applicants and business owners need to show a minimum annual income of Rs. 4 lakh to qualify.
What credit score is required by the bank?
A CRIF credit score of 750 or above is required as per the bank's strict eligibility criteria.
Will I get the card if my score is 720 but my salary is high?
The bank explicitly requires a minimum score of 750. Applications with lower scores face a high probability of rejection regardless of income.
Is this card available for non-residents?
NRIs can apply for this card by meeting the specific income and residency documentation requirements set for international applicants.
Can a student with no income apply?
No, students without a regular income cannot apply, as the minimum required income is Rs. 3 lakh annually.
Do I need an existing RBL Bank account to apply?
No, having a savings account with RBL Bank is not mandatory to apply for their credit cards, though it helps with approval speed.
All Card Benefits
- Earn accelerated reward points on travel spends and standard rewards on domestic purchases
- Enjoy zero forex markup on international transactions
- Get complimentary domestic and international airport lounge access
- Receive a ₹3,000 MakeMyTrip voucher as a welcome benefit
- Avail fuel surcharge waiver on eligible fuel transactions
- Stay protected with complimentary travel insurance coverage
- Unlock milestone benefits on achieving higher annual spends
Welcome Benefits
RBL Bank offers a direct value match against your initial fee payment. When you pay...
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Welcome Benefits RBL Bank offers a direct value match against your initial fee payment. When you pay...
Welcome Benefits
RBL Bank offers a direct value match against your initial fee payment. When you pay your membership fee in your first billing cycle and make at least one transaction within 30 days of receiving your card, you get a Rs. 3,000 MakeMyTrip voucher. You can use this voucher to book flights, hotels, or holiday packages on the MakeMyTrip platform. For example, if you pay the Rs. 3,000 joining fee and buy a coffee for Rs. 150 the next day, the bank will send you the Rs. 3,000 travel voucher, completely offsetting your initial cost.
Travel and Zero Forex Benefits
The primary reason people choose this card is the zero forex markup on international transactions. Standard credit cards charge up to 3.5% extra when you spend in foreign currencies. With the World Safari card, you avoid this charge entirely. For instance, if you spend Rs. 1,00,000 on hotels in Europe, a standard card would charge you an extra Rs. 3,500 in forex fees. This card saves you that Rs. 3,500 completely. Additionally, you earn 5 reward points for every Rs. 100 spent on eligible travel bookings like flights and hotels, helping you accumulate points for your next trip.
Airport Lounge Benefits
Waiting at the airport becomes much more comfortable with this card. You get complimentary access to domestic airport lounges across India every calendar quarter. This allows you to enjoy free food, Wi-Fi, and comfortable seating before your flight. For international travel, the card provides 2 complimentary international airport lounge visits per year through Priority Pass, based on your card activation status. A typical airport meal costs Rs. 800 to Rs. 1,200, meaning these lounge visits offer significant cash value throughout the year.
Milestone Rewards
RBL Bank rewards you for using this card as your primary payment method. When you reach higher annual spending thresholds, you get bonus rewards and exclusive e-gift vouchers. For example, hitting spending milestones like Rs. 2.5 lakh and Rs. 5 lakh in a year unlocks additional bonus points. If you spend Rs. 25,000 a month on daily expenses and bills, you will easily cross the Rs. 2.5 lakh milestone and earn these extra benefits without changing your normal shopping habits.
Dining Benefits
While this card does not offer direct cash discounts at restaurants, it does provide lifestyle support. You gain access to the World Safari concierge services, which offer dining and restaurant reservation assistance. If you are traveling to a new city and need help finding and booking a table at a premium restaurant, the concierge desk handles the reservation process for you.
Fuel Surcharge Waiver Benefits
To help lower your driving costs, this card offers a waiver on the standard fuel surcharge. Whenever you buy petrol or diesel for an amount between Rs. 500 and Rs. 4,000, the bank waives the surcharge fee. This waiver is capped at a maximum of Rs. 250 per month. For example, if you spend Rs. 3,000 on fuel in a single transaction, you save about Rs. 30 in extra bank fees. Over a year, this saves you up to Rs. 3,000 on fuel surcharges alone.
Insurance Protection
Traveling involves risks, and this card provides a safety net. It comes with complimentary travel insurance coverage that protects you during overseas trips. The policy includes coverage for trip delays, loss of checked baggage, loss of passport, emergency dental treatment, and personal liability abroad. Having this built-in protection saves you the trouble and cost of buying a basic standalone travel insurance policy for short international trips.
Reward Points Structure
The core earning mechanism of this card is straightforward. On general domestic purchases, you earn 2 reward points for every Rs. 100 spent. For travel-related spends, your earning rate accelerates to 5 reward points for every Rs. 100 spent. Each reward point holds a value of Rs. 0.25. Let us look at a practical example. If you spend Rs. 20,000 on a flight ticket, you earn 1,000 reward points. Since each point is worth Rs. 0.25, those 1,000 points give you Rs. 250 in actual value. If you spend Rs. 10,000 on regular shopping, you earn 200 points, which equals Rs. 50 in value.
View FAQ
Commonly Asked Questions
How do I qualify for the MakeMyTrip welcome voucher?
You need to complete at least one transaction within 30 days of card issuance. You must also pay your Rs. 3,000 membership fee in the first billing cycle to receive the voucher.
Is there a minimum amount required for the first transaction?
Yes, you must make a minimum transaction of Rs. 100 within 30 days to activate the card and become eligible for the rewards.
Where can I use the MakeMyTrip voucher?
You can redeem the Rs. 3,000 voucher on the MakeMyTrip app or website. It is valid for flight bookings, hotel stays, and holiday packages.
When will the voucher arrive?
The voucher is issued within 30 days after you clear the membership fee on your first statement and meet the initial spending requirement.
Do I get a new welcome voucher every year?
No, the Rs. 3,000 MakeMyTrip voucher is a one-time welcome benefit provided during your first year of holding the card.
Does this card really charge zero fees on international swipes?
Yes, the card offers zero forex markup on eligible international transactions. This means you do not pay the standard foreign currency exchange fees when you swipe your card abroad.
Do I earn extra points when I book flights?
Yes, you earn 5 reward points for every Rs. 100 you spend on eligible travel bookings such as airline tickets and hotel reservations.
How much do I save with the zero forex feature?
If you spend Rs. 2 lakh internationally on a holiday, a normal card might charge you Rs. 7,000 in forex fees. With this card, you save that entire Rs. 7,000.
Does the zero forex feature apply to international online shopping?
Yes, the zero forex markup applies to international websites too. If you buy software or products billed in US Dollars, you will not pay the extra markup fee.
How many domestic lounge visits do I get?
You receive complimentary domestic airport lounge access every calendar quarter. This means you can access lounges in India up to four times a year.
Does this card give me access to international lounges?
Yes, you get 2 complimentary international airport lounge visits per year via the Priority Pass network.
Do I need a separate card for international lounges?
International lounge access is facilitated through a Priority Pass membership card, which is issued along with your main credit card upon request.
Can my family members use my lounge access?
Complimentary lounge visits are strictly for the primary cardholder. Guests traveling with you are charged standard entry fees.
What happens when I spend Rs. 2.5 lakh in a year?
Hitting spending milestones like Rs. 2.5 lakh and Rs. 5 lakh earns you bonus reward points and exclusive e-gift vouchers, maximizing your overall value.
Are milestone rewards credited automatically?
Yes, milestone bonus points are credited to your rewards account automatically once you cross the required spending threshold.
Do rent payments count toward my milestone targets?
Excluded categories like rent, fuel, and wallet loads do not count toward annual spending milestones.
What kind of e-gift vouchers do I get for milestones?
The bank offers vouchers from popular travel and shopping brands like Amazon, Myntra, or MakeMyTrip, which you can select from the rewards portal.
Does this card give flat discounts on food delivery apps?
No, the RBL World Safari Credit Card does not offer specific cashback or flat discounts on food delivery platforms like Swiggy or Zomato.
How does the dining concierge service work?
You can call the dedicated World Safari concierge number provided by the bank to request restaurant recommendations and table bookings.
Is the concierge service free to use?
Yes, the assistance service is free, but you are responsible for paying the actual restaurant bill and any charges associated with the meal.
Can the concierge book restaurants internationally?
Yes, global concierge services assist with restaurant reservations in major cities worldwide.
What is the minimum amount I need to spend on fuel to get the waiver?
You need to make a fuel transaction of at least Rs. 500 to qualify for the surcharge waiver.
What is the maximum limit for a single fuel transaction?
The surcharge waiver applies to transactions up to Rs. 4,000. Any single fuel purchase above this amount is not eligible for the waiver.
How much can I save on fuel surcharges every month?
The maximum fuel surcharge waiver you can earn is capped at Rs. 250 per billing cycle.
Do I earn reward points on my fuel purchases?
No, fuel spends are explicitly excluded from the rewards program. You will get the surcharge waiver, but you will not earn any reward points on the transaction.
What does the complimentary travel insurance cover?
The insurance covers trip delays, baggage loss, passport loss, dental treatment emergencies, and personal liability during overseas travel.
Do I need to pay extra for this insurance?
No, this coverage is complimentary and built into the benefits of your credit card.
How do I claim the travel insurance if I lose my bags?
File a claim by calling the dedicated insurance helpline provided in your welcome kit and submitting the required travel documents to the bank's insurance partner.
Is the insurance valid for domestic trips within India?
The primary travel insurance benefits on this card are specifically designed to cover emergencies during overseas travel.
How many reward points do I earn on normal shopping?
You earn 2 reward points for every Rs. 100 spent on standard, eligible purchases. This gives you a base reward rate of 0.5%.
How many points do I get for travel bookings?
You earn an accelerated rate of 5 reward points per Rs. 100 spent on travel categories like airlines and hotels.
What is the exact value of one reward point?
One reward point is equivalent to Rs. 0.25. Therefore, you need 4 reward points to equal 1 Rupee in value.
How much value do I get if I spend Rs. 50,000 on general shopping?
Spending Rs. 50,000 on general categories earns you 1,000 points. At Rs. 0.25 per point, that gives you Rs. 250 in reward value.
How much value do I get if I spend Rs. 50,000 on travel?
Spending Rs. 50,000 on travel earns you 2,500 points. At Rs. 0.25 per point, that translates to Rs. 625 in reward value.
Are there any categories where I do not earn points?
Yes, you do not earn points on fuel, EMI conversions, wallet loads, utility bills, insurance, rent, education, and government-related transactions.
Do I get points for paying my electricity bill?
No, utility bill payments are listed as an exclusion and do not earn any reward points on this card.
Can I earn points by adding money to digital wallets?
No, wallet load transactions are excluded and will not help you accumulate reward points.
Do rent payments earn reward points?
No, rent payments are excluded from the rewards program, and you will not earn any points for these transactions.
How can I use the points I earn?
You can redeem your accumulated points for flights, hotel bookings, shopping vouchers, and mobile recharges on the bank's rewards portal.
Milestone Benefits
10000 reward points(Worth ~ ₹0)
Spend ₹2,50,000 in 365 days
15000 reward points(Worth ~ ₹0)
Spend ₹5,00,000 in 365 days
Voucher Benefit(Worth ~ ₹10,000)
Spend ₹7,50,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point= ₹0.25
Redemption Options
- Voucher (MakeMyTrip)
- Flights/hotels
To check redemption catalogue
Earning points is only half the journey; redeeming them efficiently is where you get your value. The RB...
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Earning points is only half the journey; redeeming them efficiently is where you get your value. The RB...
Earning points is only half the journey; redeeming them efficiently is where you get your value. The RBL World Safari Credit Card does not offer automatic statement cashback. Instead, you collect reward points that sit in your account until you decide to use them. The entire redemption process is handled through the dedicated RBL Rewards portal (rblrewards.com/11).
To redeem, you log into the portal using your credit card details. You can browse the redemption catalogue which includes flight tickets, hotel bookings, shopping vouchers, and mobile recharges. The conversion rate is fixed at 1 Reward Point equal to Rs. 0.25. Let us look at a practical example. Suppose you have accumulated 12,000 reward points from your travels over the year. When you log into the portal, those points hold a purchasing power of Rs. 3,000 (12,000 points multiplied by Rs. 0.25). You can use that Rs. 3,000 to buy an Amazon gift card or discount a domestic flight ticket. Every time you request a redemption, the bank charges a small handling fee.
View FAQ
Commonly Asked Questions
How do I initiate a reward point redemption?
You need to visit the official portal at rblrewards.com/11, log into your account, and select the items or vouchers you wish to claim.
Is the cashback credited to my account automatically?
No, this is a rewards point card, not an auto-cashback card. You must manually log in and redeem your accumulated points.
What is the rupee value of my reward points?
Every 1 reward point has a value of Rs. 0.25. If you have 4,000 points, they are worth Rs. 1,000.
What items are available in the rewards catalogue?
The catalogue includes flight tickets, hotel bookings, popular shopping vouchers, mobile recharges, and various electronic products.
Do I have to pay any fee to redeem my points?
Yes, a reward redemption handling fee of Rs. 99 plus applicable GST is charged to your card every time you place a redemption request.
Does it make sense to redeem small amounts?
Because of the Rs. 99 redemption fee, it is better to wait until you have a large number of points rather than redeeming small amounts frequently.
Do my reward points expire if I don't use them?
Your reward points are valid for 24 months from the date they are credited to your account.
What happens to my points if I close my credit card?
Unused reward points are permanently forfeited when you close your card. You should redeem all your points before putting in a closure request.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an RBL Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an RBL Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
EMI Spends
Wallet Loads
Utility Bill Payments
Insurance Payments
Rent Payment
Education Spends
Government-Related Transactions
EMI Spends
For Spends Waiver
Fuel Spends
EMI Spends
Wallet Loads
Utility Bill Payments
Insurance Payments
Rent Payment
Education Spends
Government-Related Transactions
EMI Spends
Credit cards do not reward every single type of purchase, and the RBL World Safari Credit Card has a st...
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Credit cards do not reward every single type of purchase, and the RBL World Safari Credit Card has a st...
Credit cards do not reward every single type of purchase, and the RBL World Safari Credit Card has a strict list of exclusions. When you spend money in these specific categories, you earn zero reward points. The bank has excluded transactions categorized as Fuel Spends, EMI Spends, Wallet Loads, Utility Bill Payments, Insurance Payments, Rent Payment, Education Spends, and Government-Related Transactions.
What does this mean for your daily usage? Let's use a practical example. Suppose you use this card to pay your child's Rs. 50,000 school fee, pay a Rs. 15,000 electricity bill, and load Rs. 5,000 into your Paytm wallet. You have spent Rs. 70,000 in total. Because education, utilities, and wallet loads are entirely excluded, you will earn absolutely zero reward points on that Rs. 70,000 spend. Understanding these limits is crucial so you do not use the card expecting rewards on heavy utility or rental payments, only to be disappointed when the statement arrives.
View FAQ
Commonly Asked Questions
Which transactions are completely excluded from earning rewards?
You will not earn any points on fuel, EMI conversions, wallet loads, utility bills, insurance premiums, rent, education fees, and government payments.
Will I get points if I pay my house rent with this card?
No, rent payments are strictly excluded from reward earnings. You will not accumulate any points, and you will also pay an extra surcharge fee.
Are insurance premium payments eligible for rewards?
No, insurance payments are categorized as excluded transactions and will not generate any reward points.
Do wallet top-ups earn any reward points?
No, loading money into digital wallets like Paytm, Amazon Pay, or MobiKwik is excluded from the rewards program.
What happens if I convert a large purchase into an EMI?
EMI spends are explicitly excluded. If you buy a phone and convert it to an EMI, you will not earn reward points on that purchase.
Are government tax payments excluded?
Yes, government-related transactions like income tax payments or municipal taxes do not qualify for reward points.
Do I lose points if I make a transaction in an excluded category?
You do not lose existing points; you simply do not earn any new points for that specific excluded transaction. The payment will process normally.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  0% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 0% |
APR Fees Finance charges of 3.99% per month (≈ 47.88% per annum) is charged on unpaid dues and cash advances until repaid. | 3.99% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of 2.5% plus applicable GST is charged per redemption request. | 2.5% |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of ₹500 is charged for payments made through cheque | ₹500 |
Cash Payment Fees A cash payment fee of ₹100 per transaction is applicable when credit card dues are paid in cash at RBL Bank branches. | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹5,000 | ₹500 |
| ₹5,001 - ₹10,000 | ₹700 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1,100 |
| ₹50,001+ | ₹1,300 |
The true cost of holding a credit card lies in its fee structure. While the RBL World Safari provides e...
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The true cost of holding a credit card lies in its fee structure. While the RBL World Safari provides e...
The true cost of holding a credit card lies in its fee structure. While the RBL World Safari provides excellent travel perks, it comes with a strict set of charges for late payments, cash withdrawals, and specific transaction types that you must understand to avoid unexpected bills.
The joining fee for this card is Rs. 3,000 plus GST. This is a one-time charge applied when your card is issued. However, the bank offsets this cost by giving you a Rs. 3,000 MakeMyTrip voucher after you make your first transaction and pay the fee. For example, if your first statement shows a Rs. 3,000 fee, paying it ensures you get the travel voucher of equal value in return.
The annual or renewal fee is Rs. 3,000 plus GST, charged every year from the second year onward. The annual fee is waived if you reach the spending threshold of Rs. 5,00,000 in a year. This means you need to spend an average of approximately Rs. 41,700 per month on the card to avoid the next year's fee.
The Annual Percentage Rate (APR) for this card is 3.5% per month, which translates to roughly 45% per annum. This massive interest charge applies if you do not pay your total outstanding bill in full by the due date. For example, if you leave a balance of Rs. 10,000 unpaid, the bank adds an interest charge of Rs. 350 to your next month's statement, and this continues compounding until the debt is cleared.
Late payment fines are applied based on your outstanding balance, ranging from Rs. 0 to Rs. 1,300. If your balance is under Rs. 500, no fee is charged. However, if your outstanding balance is Rs. 3,000, you fall into the Rs. 1,001 to Rs. 10,000 slab and will be hit with a Rs. 750 late fee. If your balance is Rs. 60,000, you face the maximum Rs. 1,300 late fee on top of the 3.5% monthly interest.
The standard forex markup fee for the bank is 1.99%. However, the explicit primary benefit of the World Safari card is that it offers a zero forex markup on international transactions. This means while the bank's system charges 1.99% on foreign swipes for other cards, your World Safari card drops this to 0%. For example, spending USD 100 abroad converts exactly at the network exchange rate without the bank taking an extra cut.
The ATM cash withdrawal fee is exceptionally high at 2.5% of the withdrawn amount, subject to a minimum of Rs. 500. Withdrawing cash on a credit card is the most expensive mistake you can make. If you withdraw Rs. 10,000 in cash from an ATM, you are instantly charged a Rs. 500 fee (since 2.5% of 10,000 is Rs. 250, the minimum Rs. 500 rule kicks in), plus interest starts accumulating from day one.
Using your credit card to pay house rent comes with a rent payment fee of Rs. 199 plus GST per transaction. If you use an app to pay your monthly rent of Rs. 25,000 using this card, the bank adds Rs. 199 plus 18% GST to your statement. Because rent payments also do not earn any reward points, using this card for rent is financially disadvantageous.
Booking train tickets directly attracts a railway surcharge. A booking surcharge of 1.80% applies for online transactions and 2.50% for other bookings, along with actual taxes. If you book a train ticket worth Rs. 2,000 online, expect to see an extra surcharge of roughly Rs. 36 added to your card statement.
If you choose to pay your credit card bill in cash at a bank branch, a cash payment fee of Rs. 250 applies per transaction. For instance, walking into a branch to hand over Rs. 5,000 in cash to clear your bill costs you Rs. 5,250. It is always better to pay your bills online via net banking or UPI to avoid this charge.
Similarly, paying your bill via cheque incurs a cheque payment fee of Rs. 200. If you drop a cheque for Rs. 10,000 in the drop box, the bank deducts Rs. 200 from your account as a processing charge. Online payments remain the safest and cheapest method.
Finally, whenever you want to use your hard-earned points, a reward redemption handling fee of Rs. 99 plus GST is charged. If you have 4,000 points and redeem them for a Rs. 1,000 voucher, the bank adds a Rs. 99 fee to your next credit card statement, effectively reducing your net reward value to Rs. 901.
| Fee Category | Fee Amount / Rate |
|---|---|
| Joining Fee | Rs. 3,000 + GST |
| Annual/Renewal Fee | Rs. 3,000 + GST |
| Interest Rate (APR) | 3.5% per month (~45% annually) |
| Late Payment Fine | Rs. 0 to Rs. 1,300 (based on balance slabs) |
| Forex Markup | Standard 1.99% (Card benefit offers 0% on eligible spends) |
| ATM Cash Withdrawal | 2.5% of amount (Min. Rs. 500) |
| Rent Payment Fee | Rs. 199 + GST per transaction |
| Railway Surcharge | 1.80% online / 2.50% offline |
| Cash Bill Payment Fee | Rs. 250 per transaction |
| Cheque Bill Payment Fee | Rs. 200 per transaction |
| Reward Redemption Fee | Rs. 99 + GST per request |
View FAQ
Commonly Asked Questions
What is the initial cost of getting this card?
The one-time joining fee is Rs. 3,000 plus GST, which is billed in your first statement.
What is the yearly cost to keep this card active?
The card has an annual renewal fee of Rs. 3,000 plus GST charged from the second year onwards.
How much interest will I pay if I miss my full payment?
You are charged a 3.5% per month interest fee, which equals 45% annually on any unpaid dues. For example, Rs. 10,000 unpaid generates Rs. 350 interest in one month.
What happens if I forget to pay my bill entirely?
You are charged the 3.5% monthly interest plus a late payment fee. A balance of Rs. 5,000 attracts a late fine of Rs. 750.
Will I be charged for withdrawing cash from an ATM?
Yes, withdrawing cash incurs a flat 2.5% fee on the withdrawal amount, with a minimum charge of Rs. 500, plus immediate interest.
Is there an extra charge if I use this card to pay rent?
Yes, every time you pay rent with this card, the bank adds a surcharge of Rs. 199 plus GST to your statement.
Do I have to pay a fee to use my reward points?
Yes, the bank charges a reward redemption handling fee of Rs. 99 plus GST for every redemption request you make.
Why is there a fee for paying my bill in cash?
Banks discourage manual branch processing. Paying your credit card bill in cash at a branch attracts a Rs. 250 penalty fee.
What is the charge for paying my bill via cheque?
Using a cheque to pay your credit card bill results in a Rs. 200 processing fee being added to your account.
Do I pay extra when booking train tickets?
Yes, a railway booking surcharge of 1.80% applies for online ticket bookings made with this credit card.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
Is a PAN card absolutely mandatory to apply?
Yes, a valid PAN card is mandatory for all credit card applications in India and is strictly required during the Video KYC process.
Can I use my passport as both ID and address proof?
Yes, a valid Indian passport serves as both a legally accepted identity proof and address proof.
How many months of salary slips do I need to submit?
You need to provide your salary slips from the last 2 to 3 months to prove your steady income.
What if I just started my business and don't have an ITR yet?
Self-employed applicants must provide their latest Income Tax Returns. Without an ITR, your application will be rejected.
Do I need physical copies of my documents?
For an online application, clear digital copies or PDFs are sufficient. However, you must show the original physical PAN card during the Video KYC call.
Can I apply using a relative's income proof?
No, the income documents must belong strictly to the primary applicant applying for the credit card.
Who Should Get This Card?
Choosing the right credit card depends entirely on your lifestyle and spending habits. Let's look at who benefits the most from the RBL World Safari Credit Card, and who should stay away.
The Frequent International Traveler: If you travel abroad for business or leisure at least twice a year, this card is a must-have. Swiping for hotels, taxis, and food in foreign currency usually costs an extra 2% to 3.5% in forex fees. This card drops that fee to zero, saving you thousands of rupees per trip. The added Priority Pass lounge access ensures your layovers are comfortable.
The Software or Tech Professional: If you frequently buy server space, software subscriptions, or online tools billed in US Dollars or Euros, the zero forex markup applies to these online transactions as well. This makes it an excellent business tool for freelancers paying foreign vendors.
Who should NOT get this card? If you never travel abroad and rarely buy things from international websites, this card is not for you. You will be paying a Rs. 3,000 annual fee for a zero forex feature you never use. Furthermore, if your biggest monthly expenses are rent, utility bills, and groceries, you are better off with a flat-rate cashback card, as the World Safari excludes utilities and rent from earning points entirely.
Credit Limit and What to Expect
Your credit limit is not fixed for everyone; it is determined individually by the bank's underwriting team. When you apply, the bank looks at your Rs. 3 lakh (or higher) annual income, your current ongoing loans, and your 750+ CRIF score. If you have a high income and very few existing loans, you can expect a generous credit limit that comfortably supports international travel bookings. If you are just meeting the minimum income criteria, your starting limit may be lower, but the bank reviews and increases limits after 6 to 12 months of responsible usage and timely bill payments.
View FAQ
Commonly Asked Questions
What will my starting credit limit be?
The starting limit is decided by the bank based on your exact income, existing debt, and credit score. There is no standard fixed limit.
Can I ask for a specific credit limit during the application?
No, the bank determines the maximum limit they can offer you based on their internal risk assessment policies.
How soon can I get a credit limit increase?
Banks consider limit enhancement requests after you have used the card responsibly for at least 6 to 12 months.
Will a low CRIF score lower my credit limit?
Yes, even if approved, a score closer to the 750 border results in a more conservative starting credit limit compared to someone with an 850 score.
Can I spend over my approved credit limit?
Exceeding your credit limit incurs a fee of 2.5% of the over-limit amount, with a minimum charge of Rs. 500.
Does the bank share my limit with other credit bureaus?
Yes, your assigned credit limit and your monthly usage are reported to credit bureaus like CIBIL and CRIF regularly.
How to Apply?
Applying for the RBL World Safari Credit Card is a fully digital process. You can start your application on the official RBL Bank website or through verified financial aggregator platforms. You will need to fill in basic details like your name, mobile number, PAN number, and employment status. The system will run a quick check on your credit profile to see if you meet the 750 CRIF requirement.
If you pass the initial check, you will proceed to the Video KYC stage. Video KYC removes the need for physical paperwork. You just need a smartphone with a good camera, a stable internet connection, your original PAN card, and a blank piece of paper to provide a live signature. The bank executive will verify your identity over the video call in a few minutes. Once approved, the virtual card is generated quickly, and the physical card arrives by courier within a week.
View FAQ
Commonly Asked Questions
Can I apply for this card completely online?
Yes, you can complete the entire application process, including document verification, online without visiting a branch.
What is Video KYC and is it required?
Video KYC is a mandatory digital verification process where a bank agent verifies your original documents over a secure video call.
What documents do I need during the Video KYC call?
You must have your physical, original PAN card with you. A photocopy or digital image on another phone will not be accepted.
How long does it take to get approval?
If your profile is strong and your Video KYC is successful, approval happens within a few days. The physical card arrives in 7 to 10 days.
Can I track my credit card application?
Yes, the bank provides an Application Reference Number which you can use on their website to check the real-time status of your application.
Will applying for this card impact my credit score?
Submitting a final application results in a hard inquiry on your credit report, which causes a minor, temporary dip in your score.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹800 Rewards
Top Benefits
Bonus Reward Points on Annual Spend Milestones
with 10,000 reward points on ₹2.5 lakh spends and 15,000 reward points on ₹5 lakh spends in a membership year
₹10,000 Voucher on ₹7.5 Lakh Annual Spends
₹10,000 Voucher on ₹7.5 Lakh Annual Spends
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