Imagine you're on a shopping spree in Paris, and you buy a designer handbag costing $1,000. Most credit cards will charge you a foreign currency markup fee of approximately 3.5% and taxes, putting an extra $35 on your bill.

But with the RBL Bank World Safari Credit Card, there's no 0% markup charge for foreign transactions, so you get to pay just the equivalent of INR 1,000 as $1,000 and save yourself an extra $35. That feature alone gives the World Safari Credit Card a strong reason to be the preferred option for regular travellers.

RBL Bank World Safari Credit Card Overview

The RBL Bank World Safari Credit Card is India's first travel credit card with a 0% markup charge on every foreign currency transaction. Made for travellers, this card provides international spending as rewarding and cost-effective as possible. In addition to currency conversion savings, the card has advantages such as welcome gifts, reward points, lounge access, travel insurance, and so on.

Key Highlights of the RBL Bank World Safari Credit Card

0% Markup Fee on Foreign Transactions: Save up to 4% on all foreign currency spends.
Welcome Gift: Receive a MakeMyTrip voucher worth ₹3,000 upon activation.
Reward Points: Earn points on every spend, redeemable for travel bookings.
Complimentary Lounge Access: Enjoy access to domestic and international airport lounges.
Comprehensive Travel Insurance: Coverage for various travel-related contingencies.
Annual Fee: ₹3,000 plus applicable taxes.

Benefits of the RBL Bank World Safari Credit Card

1. 0% Foreign Currency Markup Fee on International Transactions

One of the best advantages of this card is that there is no foreign currency markup fee. Credit cards usually charge anywhere from 2% to 4% as a fee for international transactions. With the World Safari Credit Card, you are not charged this extra fee, which means considerable savings in the long run.

2. Welcome Gift

Cardholders get a MakeMyTrip voucher worth ₹3,000 on activation and payment of the membership fee. To be eligible:

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Make a transaction within 30 days of card receipt.
Pay the membership fee during the first billing cycle.
The voucher is mailed to your registered email address within 60 days and can be redeemed within 120 days from the date of receipt.

3. Reward Points

The card has a strong reward system:

5 Reward Points for each ₹100 spent on qualifying travel transactions.
2 Reward Points for each ₹100 spent on other qualifying retail transactions in India.
International transactions do not earn reward points. Points are added within 45 days of the settlement date of the transaction.

4. Milestone Rewards

Reach spending thresholds within a membership year to get bonus rewards:

Spend ₹2.5 lakhs: Get 10,000 bonus reward points.
Spend ₹5 lakhs: Get 15,000 bonus reward points.
Spend ₹7.5 lakhs: Get a ₹10,000 voucher from brands such as Taj Experiences, Amazon, Croma, Myntra, or MakeMyTrip.
Bonus points are added within 45 days of achieving the respective milestone.

5. Complimentary Lounge Access

Travel in style with lounge privileges:

Domestic: Two free lounge visits every quarter at Indian airports.
International: Two free lounge visits a year with Priority Pass membership.
Other Advantage: Make ₹50,000 or more in a calendar quarter to get an additional international lounge visit.

6. Complete Travel Insurance

The card offers complete travel insurance coverage, including:

Personal Liability Coverage: Third-party claim protection.
Trip Delays: Compensation for trip delays exceeding a certain period.
Baggage Loss: Lost checked-in baggage coverage.
Loss of Passport: Help and coverage for passport replacement.
Dental Treatment: Emergency dental expense coverage while travelling.

7. 24x7 Concierge Desk

Cardholders enjoy a personal concierge service with the following benefits:

Golf Course Referrals and Reservations: Booking assistance and information.
Hotel Booking Support: Reservation assistance at hotels globally.
Dining Recommendations and Reservations: Restaurant suggestions and booking assistance.
Spa and Fitness Center Referrals: Information and referrals for spas.

8. Golf Privileges

Golf lovers can indulge in:

Four Complimentary Rounds: Free green fees annually at participating golf courses in India.
Monthly Golf Lesson: One free lesson per month.
Discounted Rates: After the free rounds, enjoy a 50% off on green fees for further games.

9. Fuel Surcharge Waiver

Get fuel purchases discounted with:

Surcharge Waiver: On all fuel stations for transactions ranging from ₹500 to ₹4,000.
Maximum Waiver: ₹250 per month.

RBL Bank World Safari Credit Card Cashback & Rewards

The RBL Bank World Safari Credit Card has a structured cashback and rewards program:

Travel Expenses: Get 5 Reward Points for every ₹100 spent on qualifying travel-related outlays, including flight reservations, accommodation, and tour packages.
Other Retail Spends: Get 2 Reward Points for every ₹100 on other qualifying retail transactions, including eating out, shopping, and entertainment.

Redemption Opportunities

Travel Reservations: Utilise built-up points to reserve flights and accommodations on affiliated platforms.
Merchandise and Gift Vouchers: Exchange points for products or gift vouchers from multiple brands.

Note: For the latest redemption and point conversion rate options, be sure to verify the bank's official website or call customer service.

RBL Bank World Safari Credit Card Fees and Other Charges

Understanding the associated fees is crucial for effective card management.

Fee Type	Charges & Details
Annual Fee	₹3,000 plus applicable taxes.
Reward Redemption Fee	₹99 plus applicable taxes per redemption request.
Finance Charges	Up to 3.99% per month (47.88% per annum) on revolving credit and cash advances.
Cash Advance Transaction Fee	2.5% of the amount withdrawn or a minimum of ₹500, whichever is higher.
Overdue Penalty/Late Payment Fee	Ranges from ₹5 to ₹1,300, depending on the total outstanding amount.
Over Limit Penalty	Nil (effective from August 2, 2024).
Cash Payment at Branches	₹100 per cash deposit transaction at RBL Bank branches.
Surcharge on Railway Tickets	Up to 1.8% of the ticket amount plus IRCTC service charges.
Fuel Transaction Charge	1% surcharge on the transaction value or ₹10, whichever is higher.

Note: Fees and charges are subject to change. Always refer to the bank's official communications for the latest information.

RBL Bank World Safari Credit Card Late Payment Charges

Early payment of your credit card charges is crucial to keep your credit score healthy and prevent extra charges. Late payment charges for the RBL Bank World Safari Credit Card are as follows:

Late Payment Charge: 12.5% of the amount due, with a minimum of ₹5 and a maximum of ₹1,300.

Example: If your outstanding balance is ₹8,000, the late payment charge would be 12.5% of ₹8,000, which is ₹1,000.

If there is an outstanding balance of ₹25,000, the charge will be limited to a maximum of ₹1,300.

Comparison with Other Travel Credit Cards

When choosing a travel credit card, it is essential to compare a few of them to determine which card best suits your travel behaviour and financial objectives. Below is a comparison of the RBL Bank World Safari Credit Card with other leading travel credit cards in India:

Feature	RBL Bank World Safari Credit Card	Axis Bank Atlas Credit Card	HDFC Bank Millennia Credit Card
Annual Fee	₹3,000 + GST	₹5,000 + GST	₹1,000 + GST
Foreign Currency Markup Fee	0%	2%	3.5%
Welcome Benefits	₹3,000 MakeMyTrip Voucher	Travel Vouchers worth ₹5,000	₹1,000 worth Gift Voucher
Reward Points	- 2 points per ₹100 on domestic spends - 5 points per ₹100 on travel spends	- 5 Edge Miles per ₹100 on international spends - 2 Edge Miles per ₹100 on domestic spends	- 5% cashback on select merchants - 1% cashback on other spends
Lounge Access	- Priority Pass Membership - 2 complimentary international lounge visits per year	- 8 complimentary lounge visits per year (domestic/international)	- 8 complimentary domestic lounge visits per year
Travel Insurance	Comprehensive coverage, including personal liability, trip delays, baggage loss, and more	Air accident cover up to ₹2.5 crore	Not specified
Milestone Benefits	- 10,000 bonus points on ₹2.5 lakh annual spend - 15,000 bonus points on ₹5 lakh annual spend - ₹10,000 voucher on ₹7.5 lakh annual spend	- 25,000 Edge Miles on ₹7.5 lakh annual spend - 75,000 Edge Miles on ₹15 lahks annual spend	- Spend-based waiver of annual fee - Additional cashback on achieving spending milestones

Note: The above information is based on data available as of February 2025. Please refer to the bank's official website for the most recent details.

Pros and Cons of the RBL Bank World Safari Credit Card

Knowing the benefits and possible disadvantages of the RBL Bank World Safari Credit Card will help you make a well-informed choice.

Pros:

Zero Foreign Currency Markup: Avoid paying 4% on international transactions with a 0% markup charge.
Generous Welcome Gift: Get a ₹3,000 MakeMyTrip voucher after fulfilling initial spending requirements.
Reward Points on Travel: Get increased reward points on travel-related spending.
Complimentary Lounge Access: Relish Priority Pass membership with free international lounge visits.
Comprehensive Travel Insurance: Enjoy coverage, including trip delays, baggage loss, and personal liability.

Cons:

Annual Fee: A ₹3,000 + GST yearly fee might be a drawback for specific users.
Low Reward Points on International Transactions: International transactions are not rewarded.
Terms and Conditions on Welcome Gift: The welcome voucher must be used within 30 days of card issuance, and the annual fee must be paid within the first billing cycle.

RBL Bank World Safari Credit Card Eligibility Criteria

To be eligible for the RBL Bank World Safari Credit Card, applicants must meet the following criteria:

Age: Typically between 21 and 60 years.
Income: A stable monthly income, with specifics varying based on the bank's internal policies.
Credit Score: A good credit history with a CIBIL score meeting the bank's requirements.
Employment: Both salaried and self-employed individuals are eligible, subject to income verification.

Note: Eligibility criteria are subject to change. It's advisable to check the latest requirements on the official RBL Bank website or contact their customer service.

RBL Bank World Safari Credit Card Required Documents

Applicants will need to provide the following documentation

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Proof of Identity: Aadhaar Card, Passport, Voter ID, or Driving License.
Proof of Address: Utility bills, Passport, Aadhaar Card, or Rental Agreement.
Proof of Income:
- Salaried Individuals: Recent salary slips, Form 16, or Income Tax Returns.
- Self-employed Individuals: Recent Income Tax Returns, Business Continuity Proof, or Audited Financial Statements.
PAN Card: Mandatory for all applicants.
Photographs: Recent passport-sized pictures.

How to Apply for the RBL Bank World Safari Credit Card?

Applying for the RBL Bank World Safari Credit Card is a straightforward process:

Online Application:
- Visit the official RBL Bank website.
- Navigate to the 'World Safari Credit Card' section.
- Click on 'Apply Now' and fill in the required personal, professional, and financial details.
- Upload the necessary documents as specified.
- Submit the application form.
Branch Visit:
- Locate the nearest RBL Bank branch.
- Carry all requisite documents, including identity proof, address proof, and income proof.
- A bank representative will assist you in completing the application process.

Conclusion

The RBL Bank World Safari Credit Card is a worthwhile choice for seasoned travellers, featuring an array of rewards designed to boost both national and international journeys. Its exceptional perks, including the 0% foreign currency markup charge, rewarding points for travel expenses, and free lounge passes, prove to be an investment for frequent flyers who make travelling across the world a habit.

However, prospective applicants must balance the annual fee with the rewards of the card and review their spending habits to see whether this card will fit into their financial objectives and lifestyle.

RBL Bank World Safari Credit Card FAQs

What is the annual fee for the RBL Bank World Safari Credit Card?

The annual fee is ₹3,000 plus applicable GST.

Are there any charges for international transactions?

No, the card offers a 0% markup fee on all foreign currency transactions.

Do international transactions earn reward points?

No, reward points are not accrued on international transactions.

What are the complimentary lounge access benefits?

Cardholders receive two complimentary international lounge visits per year through Priority Pass.

How can I apply for the RBL Bank World Safari Credit Card?

You can apply online through the RBL Bank website or visit the nearest RBL Bank branch with the necessary documents