RBL World Safari Credit Card Review: Travel Credit Card with Zero Forex Markup

The RBL World Safari Credit Card carved a niche for itself as a budget-friendly companion for frequent Indian travelers. solidifying its place among the top RBL credit card options. This travel-centric card eliminates the pain point of foreign transaction fees, a cost often overlooked but impacting your travel budget. With a 0% foreign transaction markup, the RBL World Safari Credit Card allows you to save up to 4% on all your overseas purchases.

According to reports, Indian travellers spend an average of Rs. 20,000 on foreign currency transactions during a trip. Using the RBL World Safari Credit Card on such an expense could result in savings of up to Rs. 800 – a significant amount that can be used for additional travel experiences.

Beyond cost savings, the card offers a range of travel-focused benefits to elevate your experience. Earn accelerated rewards on travel bookings, enjoy complimentary airport lounge access to unwind during layovers, and unlock bonus travel points and gift cards based on your annual spending. With its well-rounded feature set, competitive annual fee of Rs. 3,000, and potential for substantial savings, the RBL World Safari Credit Card is a strong contender for frequent travellers seeking to maximise savings and enjoy exclusive travel perks.

Feed and Charges

Fee Type	Amount
Joining Fee	Rs. 3,000
Renewal Fee	Rs. 3,000 per annum
Interest Rate	3.99% per month (47.88% annually)
Cash Advance Fee	2.5% of the withdrawn amount (minimum Rs. 500)
Foreign Transaction Fee	3.5% of the transaction amount
Late Payment Fee	– Rs. 15,001 to Rs. 25,000 = Rs. 950 – Above Rs. 25,000 =Rs. 1,300
Overlimit Fee	2.5% of the over-limit amount (minimum Rs. 500)
Reward Redemption Fee	Rs. 99 per request

Rewards and Benefits

Benefit	Details
5,000 Bonus Points	On your first transaction.
2 Reward Points	For every Rs. 100 spent domestically.
5 Reward Points	For every Rs. 100 spent internationally.
Convert Points	Redeemable for air miles and travel vouchers.
Complimentary Lounge Access	2 free accesses per quarter at domestic and international lounges.
Travel Insurance	Up to Rs. 10 lakh coverage for emergencies, trip cancellations, and lost baggage.
Fuel Surcharge Waiver	1% waiver on fuel transactions across India.
Exclusive Discounts	Dining, shopping, and travel offers with partner merchants.

Product Details

1. Joining fee of Rs. 3,000 with an annual renewal fee of Rs. 3,000.
2. Welcome bonus of 5,000 reward points on the first transaction.
3. Earn 2 points for every Rs. 100 spent domestically and 5 points for every Rs. 100 spent internationally.
4. Complimentary access to domestic and international airport lounges, 2 times per quarter.
5. Up to Rs. 10 lakh coverage for medical emergencies, trip cancellations, and lost baggage.
6. 1% waiver on fuel transactions across India.
7. 3.5% of the transaction amount.
8. Access to special discounts on dining, shopping, and travel through partner merchants.

RBL World Safari Credit Cards Advantages and Disadvantages

Advantages:

• Welcome Bonus: 5,000 reward points on the first transaction.
• Reward Points: 2 points per Rs. 100 spent domestically, 5 points per Rs. 100 spent internationally.
• Lounge Access: Complimentary access to airport lounges, 2 times per quarter.
• Travel Insurance: Coverage up to Rs. 10 lakh for emergencies, cancellations, and lost baggage.
• Fuel Surcharge Waiver: 1% waiver on fuel transactions across India.
• Exclusive Discounts: Special offers on dining, shopping, and travel.

Disadvantages:

• High Fees: Rs. 3,000 joining and renewal fees.
• Foreign Transaction Fee: 3.5% of the transaction amount.
• Interest Rate: High interest rate of 3.99% per month (47.88% annually).
• Cash Advance Fee: 2.5% of the withdrawn amount (minimum Rs. 500).

RBL World Safari Credit Card: Features and Benefits

#1. Welcome Benefit:

• 5,000 Bonus Points: Receive 5,000 reward points upon your first transaction with the card.

#2. Milestone Rewards:

• Accelerated Reward Points: Earn 2 reward points for every Rs. 100 spent domestically and 5 points for every Rs. 100 spent internationally.
• Milestone Benefits: Achieve milestone spends to unlock additional rewards and privileges.

#3. Travel Lounge Access:

• Complimentary Lounge Access: Enjoy 2 free accesses per quarter at domestic and international airport lounges through the Mastercard Lounge Program.

#4. Golf Benefits:

• Golf Privileges: Access to premium golf courses across India with special green fee waivers and discounted rates.

#5. Travel Insurance:

• Coverage: Up to Rs. 10 lakh in travel insurance covering medical emergencies, trip cancellations, and lost baggage.

#6. Forex Markup Fee:

• Foreign Currency Transactions: 3.5% forex markup fee on international transactions.

#7. Fuel Surcharge Waiver:

• Waiver: Enjoy a 1% waiver on fuel surcharges across all petrol pumps in India.

#8. Additional Features:

• Exclusive Discounts: Special discounts on dining, shopping, and travel with partner merchants.
• Easy Redemption: Redeem accumulated reward points for air miles, hotel stays, and travel vouchers seamlessly.
• 24/7 Concierge Service: Access personalised assistance for travel bookings, reservations, and more.

RBL World Safari Credit Card Reward Offers

• Earn 2 reward points for every Rs. 100 spent on domestic transactions, ensuring that everyday purchases contribute to accumulating points efficiently.
• Earn 5 reward points for every Rs. 100 spent on international transactions, providing a higher rate of rewards for expenditures abroad.
• Cardholders receive up to 2 free visits per quarter, ensuring comfort and relaxation during layovers or before flights.
• Enjoy a 1% waiver on fuel surcharges at all petrol pumps across India when using the RBL World Safari Credit Card for fuel transactions.
• Receive comprehensive travel insurance coverage of up to Rs. 10 lakh. This includes protection against medical emergencies, trip cancellations, lost baggage, and delayed flights, providing peace of mind during travels.

Redemption Options:

Reward points can be redeemed for a variety of options, including:

• Air Miles: Convert points to frequent flyer miles with leading airlines, allowing for discounted or free flights.
• Hotel Stays: Use points towards booking accommodations at hotels and resorts globally.
• Travel Vouchers: Redeem points for travel vouchers that can be used for flights, hotels, car rentals, and more.

RBL World Safari Credit Card Fees and Charges

• Annual Fee: Rs. 3,000 (charged annually upon card renewal) – This fee is charged annually to maintain the membership of the RBL World Safari Credit Card.
• Interest Rate: 3.99% per month (47.88% annually) on revolving credit balances – Interest is charged on any unpaid balance on your credit card statement. It is important to pay off your balance in full each month to avoid interest charges.
• Cash Advance Fee: 2.5% of the withdrawn amount, with a minimum fee of Rs. 500 – This fee is applicable when you withdraw cash using your credit card from ATMs or banks.
• Foreign Currency Transaction Fee: 3.5% of the transaction amount when used internationally – This fee applies to any transaction made in a currency other than Indian Rupees.
• Late Payment Fee:
  • Rs. 950 for an outstanding balance between Rs. 15,001 to Rs. 25,000
  • Rs. 1,300 for outstanding balance above Rs. 25,000 – This fee is charged if you do not pay at least the minimum amount due on your credit card statement by the due date.
• Overlimit Fee: 2.5% of the overlimit amount, with a minimum fee of Rs. 500 – This fee applies if you exceed your credit limit during a billing cycle.
• Reward Redemption Fee: Rs. 99 per request to redeem accumulated reward points – This fee is charged each time you request to redeem your reward points for vouchers, air miles, or other rewards.
• Card Replacement Fee: Rs. 200 for each replacement card issued – This fee is charged if you request a replacement card due to loss, theft, or damage.

Travel Benefits Available on RBL World Safari Credit Card

Reward Points Program:

Earn reward points on all purchases, which can be redeemed for a variety of travel-related expenses. The specific reward structure includes:

• 2 reward points for every INR 100 spent domestically.
• 5 reward points for every INR 100 spent internationally

International Lounge Access

• Airport Lounge Access: Cardholders can enjoy access to over 1,000 airport lounges globally. This includes 2 complimentary international lounge visits per calendar year and 2 domestic lounge visits per quarter. This benefit ensures a comfortable and relaxing experience while waiting for flights.

Travel Insurance

• Comprehensive Travel Insurance: The card offers extensive travel insurance coverage, including:
  • Lost Baggage Insurance: Coverage up to USD 1,000 for lost checked-in baggage.
  • Delayed Baggage Insurance: Coverage up to USD 300 for baggage delayed beyond 12 hours.
  • Loss of Passport Insurance: Coverage up to USD 300 for the loss of a passport.
  • Personal Accident Insurance: Coverage up to INR 50 lakhs for air accidents and up to INR 5 lakhs for other travel-related accidents.

• Fraud Liability Cover: The card comes with a fraud liability cover of up to INR 2 lakhs, providing peace of mind against unauthorized transactions due to card loss or theft.
• Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on fuel transactions at all petrol pumps across India, applicable on transactions between INR 400 and INR 5,000. This benefit is capped at INR 150 per month.

RBL World Safari Credit Card: Terms and Conditions

• Trip Cancellation Insurance: Up to INR 50,000 for non-refundable expenses due to trip cancellation or interruption.
• Flight Delay Insurance: Compensation of INR 5,000 for delays exceeding 6 hours.
• Forex Load Fee Waiver: Zero load fee on preloaded Forex cards for international travel.
• Exclusive Travel Partners: Earn 10x reward points when booking through partnered travel platforms such as MakeMyTrip, Yatra, and Goibibo.
• EMV Chip and PIN: Enhanced security with EMV chip technology and mandatory PIN authentication for all transactions.
• Tap and Pay: Contactless payment feature for transactions up to INR 2,000, making payments quicker and more convenient.

Who Can Apply for the RBL World Safari Credit Card?

The RBL World Safari Credit Card is designed to cater to the needs of avid travellers and individuals with a lifestyle that demands premium benefits and services. Below are the detailed eligibility criteria for applicants:

1. Age Requirement: The applicant must be at least 21 years old and should not exceed 65 years at the time of application.
2. Minimum Annual Income: Applicants must have a minimum annual income of INR 5 lakhs.
3. Salaried Individuals: Applicants who are employed full-time with a reputed organization.
4. Self-Employed Professionals: Individuals who own a business or practice a profession such as doctors, lawyers, and chartered accountants.
5. Credit Score: A good credit score is crucial for the approval of the RBL World Safari Credit Card. While the exact score required can vary, a score of 750 and above is generally considered favourable.
6. Indian Residents: The card is available to Indian residents, including individuals residing in India with valid address proof.
7. Non-Resident Indians (NRIs): NRIs can also apply for the card, provided they meet the income and credit criteria.

Documentation Needed for RBL World Safari Credit Card

1. Identity & Address Proof

Identity Proof	Address Proof
Aadhaar Card	Utility Bills (Last 3 months)
Passport	Rental Agreement
Voter ID Card	Passport
Driving License	Aadhaar Card
PAN Card	Bank Statement (Last 3 months)

2. Income Proof

For Salaried Individuals

• Latest Salary Slips (Last 3 months)
• Form 16
• Bank Statement (Last 6 months)

For Self-Employed Individuals

• Income Tax Returns (ITR) (Last 2 years)
• Bank Statement (Last 6 months)
• Business Continuity Proof

For Self-Employed Professionals

• Income Tax Returns (ITR) (Last 2 years)
• Bank Statement (Last 6 months)
• Professional Qualification Certificates

2. Photographs

• Recent Passport-Sized Photograph (1-2 photos)

3. Additional Documents

• Application Form (Duly filled and signed)
• KYC Documents (As per RBI norms)

Application Process for RBL World Safari Credit Card

Apply Online or Visit the Branch:

• Submit your application online through the RBL Bank website with scanned copies of documents or visit the nearest branch.

Document Verification:

• Bank officials will verify your submitted documents, including identity, address, and income proofs.

Credit Assessment:

• Your credit score and financial history will be assessed to determine eligibility and credit limit.

Approval and Card Issuance:

• Upon approval, your RBL World Safari Credit Card will be issued, and you will receive it at your registered address within a few days.

FAQs