Route spending through 5 Reward Points per ₹100 on travel purchases (product page 2026-09-17).
Earn 1.3× here — 1.3% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Premium · Travel & Lifestyle
RBL BANK · RBL BANK WORLD SAFARI CREDIT CARD
RBL Bank World Safari Credit Card
ANNUAL FEE
₹3,000 waived at ₹3L spend
FIRST-YEAR NET VALUE
₹23,650 for a mid spender · travel
RBL BANK World Safari
Updated 17 Sep 2026 7 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is RBL Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE 700+ Good band
AGE 21 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹23,650 first-year net value · mid spender · travel
Category rewards ₹14,400
Milestone bonus· 10,000 bonus Reward Points; 15,000 bonus Reward Points + ₹6,250
Welcome benefit· Welcome reward points ₹3,000
Annual fee − ₹3,000
Fee waiver (met)· Annual fee waived on annual retail spends of ₹3,00,000 or more ₹3,000
Net first-year value ₹23,650
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.50% back on eligible spends 2 pts 2 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 1.3% back
5 Reward Points per ₹100 on travel purchases (product page 2026-09-17) · 1.3%
No Reward Points on international purchases; the card competes on 0% forex markup instead (product page 2026-09-17) · 0.0%
Everything else (base) · 0.5%
MILESTONES Cumulative bonuses at annual spend tiers
₹3L 10,000 bonus Reward Points
₹5L 15,000 bonus Reward Points
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time RBL Bank tweaks the program.
Line up your ₹3L before renewal.
Crossing ₹3L in the anniversary year waives the ₹3,000 fee — automatic for spenders at ₹25,000+/month. Watch your pace in months 10–12.
Don't sleep on No Reward Points on international purchases; the card competes on 0% forex markup instead (product page 2026-09-17).
The second tier earns 0.0× (0.0% back). Often overlooked next to the headline category but compounds if you route consistently.
Redeem through the best path, not the default.
Point value varies across redemption options. Best path: ₹0.25/point. Same earnings, more value.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹3,000 · + 18% GST · one-time
Annual fee (year 2+) ₹3,000 · waived at ₹3L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 0.0% · lowest in class
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
8 domestic + 2 international visits per year via Priority Pass. Primary cardholder.
Welcome voucher
₹3,000 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹3L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How RBL Bank World Safari Credit Card has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 Earn structure corrected to 2 RP per ₹100 domestic and 5 RP per ₹100 on travel with no points on international spends (file had 1 RP base and 2 RP on international/domestic travel); milestones corrected to 10,000 points at ₹2.5L and 15,000 at ₹5L (file had 5,000 at ₹3L and 10,000 at ₹5L); spend-based extra international lounge visit recorded. Fee ₹3,000, 0% forex, ₹3,000 MakeMyTrip welcome and 2 domestic lounge visits a quarter on ₹35,000 re-verified. Domestic and travel earn rates double; international spend earns nothing but stays forex-free
- 24 Feb 2026 Official-first data refresh completed using RBL product page, card T&C, MITC and Schedule of Charges Corrected reward slabs, milestone thresholds, annual fee waiver threshold, late-fee formula and service charges
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: RBL World Safari product page, RBL World Safari credit card program terms and conditions, RBL Most Important Terms and Conditions (MITC), RBL Schedule of Charges, RBL Golf Program Terms and Conditions, RBL Travel Insurance Terms and Conditions, rblbank.com. Next scheduled review: 17 Mar 2027.