Priority Pass
RBL Bank
World Safari
The RBL World Safari is India’s flagship retail card for zero foreign exchange markup, saving you 3.5%–4% on every international transaction.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 27 May 2026.
At a Glance
Annual Fee
₹3,000
Joining Fee
₹3,000
Fee Waiver
N/A
Lounge Access
See details
Forex Markup
0%
Effective Yield
0.5% – 6.26%
Our Take
The RBL World Safari is India’s flagship retail card for zero foreign exchange markup, saving you 3.5%–4% on every international transaction. With a ₹3,000 joining fee fully offset by a MakeMyTrip voucher, it’s the most accessible "true" travel card for global explorers who want to avoid the complexities of multi-currency prepaid cards.In 2026, the World Safari remains a surgical tool for the international traveler. While it offers 5 Travel Points per ₹100 on travel spends, an unbiased review must highlight that it earns zero rewards on international transactions—the trade-off for the 0% markup. The lounge policy has also tightened: you now need a ₹35,000 quarterly spend to unlock 2 domestic visits, while its 2 international Priority Pass visits are standard. The real value is unlocked at the ₹7.5 lakh annual milestone, which triggers a ₹10,000 gift card (Taj, Amazon, or MMT), effectively providing a 2% kicker on your total annual spend.
Pros
- True 0% Foreign Currency Markup: The card's USP remains intact in 2026. You pay zero markup on all international spends, saving you ~₹3,500 for every ₹1 Lakh spent abroad. This makes it mathematically superior to even the 'premium' 2% markup cards.
- Lucrative Welcome 'Refund': Provides a ₹3,000 MakeMyTrip voucher upon your first transaction. Since the joining fee is ₹3,000, the card is effectively 'First Year Free' (FYF) with an immediate offset of the upfront cost.
- Accelerated 5X Travel Rewards: Earns 5 Travel Points for every ₹100 spent on travel categories (Flights, Hotels). With 1 Point = ₹0.25, this is a solid 1.25% value-back on travel bookings—better than many standard cashback cards.
- High-Value ₹10,000 Milestone: If you reach an annual spend of ₹7.5 Lakhs, you receive a ₹10,000 gift card for brands like Taj, Amazon, or Croma. For a high-spender, this adds an effective 1.33% extra value-back to their total annual spending.
- Comprehensive Travel Insurance: Includes a robust 'Peace of Mind' suite covering trip delays ($250), lost baggage ($200), and even dental treatments ($250). In 2026, this level of insurance is rarely found on cards with such a low net annual cost.
Cons
- The 2026 'Spend-to-Lounge' Hurdle: Effective early 2026, domestic lounge access (2 per quarter) is now gated. You must spend at least ₹35,000 in the *previous* calendar quarter to unlock your visits. For 'international-only' users, this creates an annoying domestic barrier.
- Zero Rewards on International Spends: To maintain the 0% markup, RBL has removed all reward point earnings for foreign transactions. For *CreditGully*, the advice is: 'Use this card to save money on the fee, but don't expect it to fund your next trip via points.'
- Restricted International Lounge Quota: While it offers a Priority Pass, you only get 2 complimentary international visits per year. Any additional visits require a spend of ₹50,000 in a quarter to unlock just one extra 'bonus' visit.
- Non-Existent Base Rewards (0.5%): On general retail categories (like offline dining or services), the card earns a meager 2 points per ₹100. This 0.5% rate is lower than even basic 'no-fee' cards from other major banks.
- Redemption Fee Friction: Every time you redeem your Travel Points for vouchers or bookings, RBL charges a flat ₹99 + GST fee. For casual users, this fee can significantly dilute the value of their earned points.
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Travel Spends (Accelerated) | 5 Travel Points per ₹100 | 1.25% | No Upper Cap on base earning |
| Other Domestic Retail Spends | 2 Travel Points per ₹100 | 0.50% | No Upper Cap |
| International Spends | 0 Travel Points | 0.00% | — |
| Excluded Categories | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹2.5 Lakh | Bonus Points10,000 pts | ₹2,500 (Travel Value) | 10,000 bonus Travel Points awarded upon reaching ₹2.5 Lakhs annual spend. |
| ₹5 Lakh | Bonus Points15,000 pts | ₹3,750 (Travel Value) | Additional 15,000 points (Total 25,000 bonus points) at ₹5 Lakhs spend. |
| ₹7.5 Lakh | The 'Big' Voucher0 pts | ₹10,000 Gift Card | ₹10k voucher from Taj, Amazon, or Croma for reaching ₹7.5 Lakhs annual spend. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| RBL Rewards Portal (Travel) | ₹0.25 per point4:1 Ratio | Best Value (Redeem for flights or hotels via rblrewards.com) |
What You Need to Know
New 2026 Lounge Gate
Effective Feb 2026, domestic lounge access requires ₹35,000 spend in the previous quarter.
Impact: Occasional travelers who don't use the card regularly will lose lounge access.
The Zero-Reward Forex Trade
International transactions earn ZERO reward points.
Impact: If you have a card like Infinia (which gives 3.3% points even on forex), it may be better than 0% markup here.
Redemption Fee
A fee of ₹99 + GST is charged for every reward redemption request.
Impact: Discourages frequent small redemptions; users should pool points and redeem once.
The 1% Education/Utility Fee
Standard RBL 1% fee applies to all third-party utility and education payments.
Impact: Net loss if using this card for monthly bills, as they also earn zero rewards.
Essential Fine Print
Reward Exclusions
Fuel Spends: Transactions at fuel stations do not earn Travel Points.
Rent and Wallet Transactions: Rental payments and e-wallet loading transactions are excluded from reward earning.
Cash Advances: Cash withdrawal transactions do not qualify for reward points.
Welcome Offer
MakeMyTrip Voucher
Get a MakeMyTrip gift voucher worth ₹3,000 upon payment of the joining fee.
Lounge Access
Priority PassDomestic Lounge Access
2 complimentary visits per calendar quarter at select domestic airport lounges in India. (if they spend ₹35,000 or more in the previous calendar quarter.)
International Lounge Access
2 complimentary visits per year to international lounges via the included Priority Pass membership.
Travel Benefits
0% Forex Markup
India’s first credit card with 0% foreign currency markup on all international spends.
Travel Insurance
Complimentary insurance coverage including Personal Accident (Air), Loss of Baggage, and Trip Delay.
Dining Benefits
Dining Discounts
Exclusive dining offers and discounts at partner restaurants through RBL's dining program.
Golf Benefits
Golf Privileges
Get 4 complimentary rounds of green fee in a year and one golf lesson each month. 50% discounted green fee beyond 4 complimentary rounds.
Milestone Benefits
2.5 Lakh Spend Milestone
Earn 10,000 bonus Travel Points on reaching annual spends of ₹2.5 Lakhs.
5 Lakh Spend Milestone
Earn an additional 15,000 bonus Travel Points on reaching annual spends of ₹5 Lakhs.
7.5 Lakh Spend Milestone
Receive a gift voucher worth ₹10,000 from premium brands on reaching annual spends of ₹7.5 Lakhs.
Additional Features
Travel Points Earning
Earn 2 Travel Points for every ₹100 spent on all purchases and 5 Travel Points for every ₹100 spent on travel-related categories.
Zero Lost Card Liability
Protection against unauthorized transactions once the loss of card is reported to the bank.
24x7 Concierge
Get the best services available to you around the clock from a dedicated concierge desk. You can do the following with the desk's help: • Golf Course Referral and Reservation Assistance • Hotel Referral and Reservation Assistance • Dining Referral and Reservation Assistance • Spa, Fitness Centre and Sports Centre Information and Referral Assistance
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹3,000 |
| Annual / Renewal Fee | ₹3,000 |
| Fee Waiver Threshold | N/A |
| Forex Markup | 0% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Age
Primary cardholder must be between 21 and 65 years of age.
Employment
Available to both salaried and self-employed individuals with a stable income.
Location
Must be a resident of India in a city serviced by RBL Bank.
Ready to apply for World Safari?
Annual fee: ₹3,000
Annual fee
₹3,000
0.5% – 6.26% yield