RBL World Safari Credit Card Review – CardExpert

RBL World Safari Credit Card

RBL Bank has about 10+ Credit card variants in their portfolio most of which are co-brand cards with not so amazing brands and hardly any of them make sense to hold for a premium credit card holder.

Even though they do have cards with a decent ~2% reward rate, that’s ain’t enough as their merchant offers aren’t in par with the top players and most importantly they don’t have a compelling USP.

But with this new card it’s finally changing the way we look at RBL Credit Cards. Here’s the detailed review of the same.


Type Travel Credit Card
Reward Rate 0.5% – 2.5%
Annual Fee 3,000 INR+GST
Best for International & travel spends
USP 0% forex markup & International travel insurance

RBL has launched a new travel credit card named World Safari Credit Card and they say its the India’s first travel card with 0% markup fees.

That’s not really 100% right as Axis Burgundy Private credit card is the first one with that benefit, but its an invite only card.

So as a mass offering, it is indeed the 1st credit card with 0% markup fee.


Joining Fee 3,000 INR + GST
Welcome Benefit 3000 INR worth MMT Voucher
Renewal Fee 3,000 INR + GST
Renewal Benefit Nil
Renewal Fee waiver Nil
  • MMT Voucher that can be used on Flights/Hotels (online) & Holidays (Offline)

The joining fee is Offset by the MMT voucher but we get nothing for the renewal unless we go for the cancellation which might trigger some retention benefit, depending on when you ask for.

0% Markup Fee

  • 0% Forex Markup Charges (but No Reward Points on International txns)

The USP of this card is its 0% markup fee on international transactions and that is great esp. because they’re using Mastercard platform which usually has better conversion rates.

But note that you will not get reward points on international spends, though you may continue to get the milestone benefits just like most other credit cards.


Regular Rewards

  • Travel Spends: 5 RP’s for every Rs. 100 spent (~1.25% return on spend)
  • Non-Travel Spends: 2 RP’s for every Rs. 100 spent (~0.50% return on spend)
  • 1 RP = ~0.25Ps
  • Validity: 2 years
  • The regular rewards on the card is quite low without a doubt but the milestone benefit makes up for that in a good way.

Milestone Rewards

2.5 Lakhs 10,000 Points 1%
5 Lakhs 15,000 Points 1.2%
7.5 Lakhs 10,000 eVocuher 2%
  • Gift Voucher Options: Taj experiences, Amazon, Croma, Myntra & Makemytrip

So on 7.5L spend, you get a nice 2% reward rate via milestone spends alone, which is decent for a card with 0% markup fee and affordable joining fee.

Overall reward rate could be as good as 3.25% if you use the card only for Travel but of-course that’s rare so you can get little over 2% even on non-travel spends, which is pretty decent especially on Forex spends.

Airport Lounge Access

Domestic (Primary) Visa / Mastercard 2/Qtr
International (Primary) Priority Pass 2/Yr
  • Get 1 additional complimentary lounge visit via Priority Pass on spends of Rs. 50,000/- or more in a calendar quarter. Hmm, that’s too low to make any difference.

Golf benefit

  • Complimentary Golf Games: 4/Year
  • Complimentary Golf Lessons: 12/Year (1/month)

This is a Mastercard World privilege and not the feature of the product per se. Still good enough.

International Travel insurance

RBL World Safari Credit Card Review

The complimentary International/Overseas Travel Insurance is one of the most useful benefit of the card as it’s accepted by almost all embassy’s across the world to procure the Visa.

Policy Period 1 Year
No. Of trips Multi-trip
Coverage Worldwide (except country of residence)
Max trip duration 30 days (per trip)
Recognition Accepted by almost all embassies

Typical Coverage that you can expect:

  • Personal Liability coverage
  • Trip Delay
  • Baggage Loss 
  • Loss of Passport 
  • Dental Treatment & more

Policy is issued by Care Insurance, formerly Religare Health Insurance Company Limited. It’s a group policy with Individual coverage and they issue the individual insurance copy, which can be used for Visa procurement purposes as mentioned earlier.

Just incase if you’re wondering, ideally it’s valued at 7,000 INR or more.

Do note that this policy is better than the one issued by American Express Platinum Charge Card as it comes with meagre limits.

So if you’re an international traveller doing multiple trips in a year, you can get the RBL World Safari Credit Card with eyes closed just for this benefit .

Should you get this card?

If you’re an international traveller who does at-least 2-3 trips a year and does about 7.5L spend a year, I see no reason to not get this card. That’s because you get:

  • Decent Rewards
  • 0% Forex markup Fee
  • Lounge Access
  • International Travel Insurance (Worldwide for 1 Year)

That’s more than sufficient list of benefits for a credit card with 3K annual fee. So I would say it’s totally worth it.

Tip: If you’ve got other RBL Bank Credit Cards with good spends, initiate card closure request and on retention call you can get the RBL World Safari Card as a First Year Free Card. You can thank me later. 🙂


It takes lot of guts to come up with a credit card at 0% markup fee because markup fees are one of the major revenue stream for the issuers. But given that RBL doesn’t usually have that type of customers, this may-not affect them much, at-least initially.

And apart from that, the international travel insurance carries a real value for those taking multiple foreign trips a year.

That aside, it’s an amazing card for those who don’t have super premium credit cards like HDFC Infinia for international travel.

It’s also good to see the Taj voucher as a part of the offering. I hope they come up with more new cards with good USP’s like this.

What’s your take on the RBL Bank World Safari Credit Card? Feel free to share your thoughts in the comments below.

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