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RBL Bank
Zero forex markup on a travel card, with domestic and Priority Pass lounge access.
One-time
Waived on ₹3,00,000/yr
Uncapped rewards
Score 750+
Applying takes you to RBL Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
3 reward rates with their caps, taken from RBL Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromFlights
No published ceiling on this tier
Travel
No published ceiling on this tier
Online shopping
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
5% on Flights — 5 Travel Points per ₹100 on all eligible domestic travel spends — flights, with no stated cap.
Biggest limitation
The Rs. 3,000 annual fee is waived only on annual spends of Rs. 3,00,000 or more.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
5 pts
uncappedFlights
5 Travel Points per ₹100 on all eligible domestic travel spends — flights
5 pts
uncappedTravel
5 Travel Points per ₹100 on eligible domestic online travel spends (flights, hotels, travel portals, travel agencies)
2 pts
uncappedOnline shopping
2 Travel Points per ₹100 on all other eligible domestic online retail spends
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹3,000 | — |
| Annual / renewal fee | ₹3,000 | Rs. 3,000 + GST joining and annual fee, waived on annual spends of Rs. 3,00,000 or more. |
| Add-on card | Not published by RBL Bank in the summary for this card. Check the card's schedule of charges. | — |
| Cash withdrawal | Not published by RBL Bank in the summary for this card. Check the card's schedule of charges. | — |
| Late payment | Not published by RBL Bank in the summary for this card. Check the card's schedule of charges. | — |
| Foreign currency markup | 0% | — |
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹3,000
of one-time welcome value, on top of what you earn
Every year after
₹3,00,000 a year
is what it takes to keep the ₹3,000 fee off — about ₹25,000 a month
1% waiver. 1% fuel surcharge waiver on fuel transactions at petrol pumps across India (terms apply); no Travel Points earned on fuel spends — fuel is an excluded category. Surcharge waiver subject to RBL MITC transaction range and monthly cap.
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹3,000
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
2
spend thresholds you can reach again each year
MakeMyTrip gift voucher worth ₹3,000 credited on making first transaction within 30 days of card issuance and paying joining fee in first billing cycle (valid 12 months from activation)
Spend ₹2,50,000 a year — about ₹20,833 a month
₹10,000 travel voucher from premium brands (Taj Experiences, MakeMyTrip, Amazon, Croma, Myntra) on annual domestic spend of ₹2,50,000 (Spend ₹2,50,000 in eligible domestic transactions in a card anniversary year. Voucher brands include Taj Experiences, MakeMyTrip, Amazon, Croma and Myntra. Voucher valid as per brand terms. Select brand at time of redemption.)
Spend ₹5,00,000 a quarter
25,000 bonus Travel Points (worth ₹6,250 as travel redemption) on annual domestic spend of ₹5,00,000; Additional international lounge visit per quarter on ₹50,000 quarterly spend (Spend ₹5,00,000 in eligible domestic transactions in card anniversary year for 25,000 bonus TPs. For extra international lounge: spend ₹50,000 in a calendar quarter to unlock 1 additional international lounge visit for that quarter (beyond the base 2/year via Priority Pass).)
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
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| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| RBL Bank World Safari Credit Card · this card | ₹3,000 | 5% flights | Included |
| RBL Bank SalarySe UP Credit Card | ₹589 | See card | No |
| IndianOil RBL Bank Credit Card | ₹590 | Up to 6% rewards | No |
| RBL Bank NOVA Credit Card | ₹14,750 | Up to 12 reward points per ₹200 | Included |
| RBL Bank Shoprite Credit Card | ₹590 | Up to 20 reward points per ₹100 | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹3,000 plus GST, waived on ₹3,00,000 of annual spend.
The strongest published rate is 5% on flights, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. Complimentary domestic lounge visits each quarter, plus international lounge access through Priority Pass.
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
Fuel transactions Rent payments Wallet loads Cash advances and ATM withdrawals EMI transactions No rewards on fuel transactions, rent payments, wallet loads, cash advances and atm withdrawals, emi transactions. No Travel Points on: International transactions (all foreign currency spends — zero forex but also zero TP), Fuel and auto spends, Utility bill payments, Wallet loads and prepaid card top-ups, Insurance premium payments, Railway ticket bookings, Rental payments (car/home), Quasi-cash transactions, Education fee payments, Government service payments, Cash advances, Balance transfers, Card fees and charges, EMI transactions
RBL Bank publishes about ₹40,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
RBL Bank rewards catalogue, Travel bookings
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
India's pioneer zero forex markup travel credit card from RBL Bank. Offers 0% foreign currency markup on all international transactions, 5 Travel Points per ₹100 on domestic travel spends, 2 TP per ₹100 on others, ₹3,000 MakeMyTrip welcome voucher, 8 spend-based domestic lounge visits, Priority Pass for international lounges, golf access, travel insurance and ₹10,000 annual milestone voucher on ₹2.5L spend.
Yes — 0% foreign currency markup on ALL international transactions. No conversion fee on any foreign currency spend. However, note that you earn ZERO Travel Points on international transactions — the zero forex benefit applies but TP accrual does not. Use this card purely to save on forex; earn Travel Points separately on domestic spends.
8 complimentary domestic airport lounge visits per year (2 per quarter) — but it is spend-based. You must spend ₹35,000 in eligible transactions in the previous calendar quarter to unlock 2 lounge visits for the following quarter. Access via card swipe at participating lounges. Track quarterly spend on RBL mobile banking app to ensure you hit the ₹35K threshold before quarter end.
Two milestones: (1) Spend ₹2,50,000 in eligible domestic transactions in a card anniversary year → receive ₹10,000 gift voucher from Taj Experiences, MakeMyTrip, Amazon, Croma or Myntra. (2) Spend ₹5,00,000 in eligible domestic transactions → receive 25,000 bonus Travel Points (worth ₹6,250 for travel redemption). Combined milestone value: ₹16,250 for ₹5L spenders — far exceeding the ₹3,000 annual fee.
No. Despite 0% forex markup, RBL World Safari Credit Card earns ZERO Travel Points on international/foreign currency transactions. It saves you the conversion fee (3.5% on other cards) but does not credit any reward points for foreign spends. Domestic travel spends earn 5 TP per ₹100 (1.25%) and other domestic spends earn 2 TP per ₹100 (0.5%).
Complimentary worldwide travel insurance covering: medical and health emergencies during foreign travel, trip cancellation cover, check-in baggage loss cover, passport and travel document loss cover. Insurance covers the first 3 overseas trips per year. Exact cover amounts and terms — verify on rbl.bank.in. Must have purchased international travel ticket using the card for insurance to be activated.
4 complimentary golf rounds per year at select golf courses across India — via Mastercard Golf benefit. Beyond 4 complimentary rounds, get 50% discount on green fee at participating clubs. Golf clubs and booking process managed via Mastercard Golf India programme. Check participating courses at mastercard.co.in/golf.
₹3,000 + GST joining fee (total ~₹3,540). Annual renewal fee ₹3,000 + GST from Year 2. No spend-based annual fee waiver. Joining fee offset by ₹3,000 MakeMyTrip welcome voucher on first transaction within 30 days. Annual fee must be paid every year unless you negotiate a retention offer with RBL Bank customer care.
RBL World Safari: ₹3,000 fee, 0% forex (save ₹3.5% on every foreign txn), 5 TP/₹100 domestic travel, 8 lounge (spend-based), travel insurance, golf. SBI Miles Prime: ₹2,999 fee, 2.5% forex, 4 TC/₹200 on travel (1:1 miles), 8D+4I lounge (no spend condition), travel insurance. Choose RBL World Safari for heavy international spenders where 0% forex saves more. Choose SBI Miles Prime for flexible air miles conversion and unconditional lounge access. Compare on CredSpy.
Age 21–65 years, resident Indian. Salaried with minimum net monthly income ₹40,000. Self-employed with minimum annual income ~₹4.8L per ITR. CIBIL score 700+ recommended. PAN card mandatory. Given the ₹3,000 fee and travel focus, this card targets working professionals and frequent business/leisure travellers.
CredSpy Pro Tip
Critical Note — No TP on International Spends
CredSpy Verdict — 3.8/5
Read this first
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
RBL Bank World Safari Credit Card — 5% on flights. ₹3,000 a year.