Product Details
| Feature | Details |
| Card Type | Travel Credit Card |
| Issuer | RBL Bank |
| Joining Fee | โน3,000 + GST |
| Annual Fee | โน3,000 + GST (waived on annual spends of โน3 lakh) |
| Reward Rate | 2 Travel Points per โน100 spent on travel-related transactions 1.5 Travel Points per โน100 on all other spends |
| Welcome Benefit | โน3,000 MakeMyTrip voucher on card activation |
| Interest Rate | 3.99% per month (47.88% annually) |
Rewards & Benefits
The RBL World Safari Credit Card offers a tiered rewards program designed to incentivize travel spending.
Welcome Benefit:-ย Get a โน3,000 MakeMyTrip voucher on card activation
Reward Rate:- Varies between 0.5% and 2.5%, depending on the spending category.
Travel Spending:- Cardholders earn 5 travel points for every Rs. 100 spent on travel-related expenses. This includes airline tickets, hotel bookings, and other travel-related services.
Other Spending:- For all other purchases, cardholders earn 2 travel points for every Rs. 100 spent.
Domestic Lounge Access:- 2 complimentary domestic lounge access per year.
Complimentary Golf Rounds:-ย Enjoy 4 free golf rounds per year at select premium golf courses.
0% Markup Fee on Foreign Transactions:- A standout feature of this card is the 0% markup on foreign currency transactions
This structure clearly favors travel spending, making it a valuable proposition for those who frequently travel. However, the rewards rate on other spending may be less attractive compared to other credit cards that offer higher rewards on general spending categories. Points can be redeemed for travel-related expenses or other options available through RBL's rewards program.
RBL World Safari Credit Card Milestone Rewards
The RBL World Safari Credit Card offers milestone benefits to further reward cardholders for their spending habits. Details about specific milestone benefits are not provided, but generally, these benefits are unlocked when cardholders reach certain spending thresholds within a year. This can include bonus reward points, vouchers, or other exclusive perks.
- โน2.5 Lakh Annual Spend โ Earn 10,000 bonus Travel Points.
- โน5 Lakh Annual Spend โ Get an additional 15,000 bonus Travel Points.
- Maximum Milestone Rewards โ Earn up to 25,000 bonus Travel Points per year.
- Reward Redemption โ Use Travel Points for flight bookings, hotel stays, and other travel perks.
- Foreign Transaction Benefits โ 0% foreign currency markup, making international spending more rewarding.
RBL World Safari Credit Card Airport Lounge Access Benefits
Airport lounge access is a valuable benefit for frequent travelers, providing a comfortable and convenient space to relax or work while waiting for flights. The RBL World Safari Credit Card Offers:
- Complimentary Lounge Access โ Enjoy access to premium airport lounges.
- Domestic Lounge Access โ 2 complimentary visits per quarter at select domestic lounges.
- International Lounge Access โ 2 complimentary visits per year via Priority Pass.
- Priority Pass Membership โ Complimentary membership provided (lounge visits beyond the free quota are chargeable).
- Relax & Refresh โ Access comfortable seating, free WiFi, beverages, and snacks at lounges.
- Eligibility โ Lounge access is applicable only for primary cardholders.
This allows cardholders to enjoy the amenities of airport lounges, such as complimentary refreshments, Wi-Fi, and comfortable seating, making travel experiences more enjoyable. The limited number of visits means careful planning is needed to make the most of this benefit. Compare this offering to other cards which offer unlimited or more frequent lounge access.
RBL World Safari Credit Card Golf Benefit
For golf enthusiasts, the RBL World Safari Credit Card offers a unique benefit:
- Complimentary Golf Rounds โ Enjoy 4 free golf rounds per year at select premium golf courses.
- Golf Coaching Sessions โ Avail complimentary golf lessons with professional trainers.
- Preferred Access โ Get exclusive entry to top golf courses across India.
- Discounted Green Fees โ Special discounts on green fees and other golf-related services.
- Golf Tournament Invitations โ Opportunity to participate in exclusive golf events.
- Eligibility โ Benefits are available only for primary cardholders.
This allows cardholders to enjoy rounds of golf at participating golf courses, providing a recreational benefit that aligns with a certain lifestyle. This benefit can be particularly valuable for those who regularly play golf, as it can save them a significant amount of money on green fees. The specific golf courses included in the program and the terms and conditions should be reviewed carefully.
International Travel Insurance
Comprehensive travel insurance is crucial for international travelers, providing protection against unforeseen events and emergencies. The RBL World Safari Credit Card offers:
| Feature | Details |
| Card Name | RBL World Safari Credit Card |
| Insurance Type | International Travel Insurance |
| Policy Period | 1 year |
| Emergency Medical Insurance | 50,000 USD |
| Trip Cancellation | Coverage for trip cancellations and delays |
| Baggage Loss | Coverage up to โน50,000 for lost checked-in baggage |
| Passport Loss | Assistance for lost or stolen passport |
| Air Accident Insurance | Coverage up to โน1 crore |
| Fraud Protection | Security against unauthorized transactions |
| Foreign Currency Markup | No foreign currency markup |
| Terms & Conditions | Applicable as per RBL Bankโs policies |
This coverage can help cover medical expenses, trip cancellations, lost luggage, and other travel-related emergencies. The specific terms and conditions of the insurance policy, including coverage limits and exclusions, should be carefully reviewed. Understand what events are covered, the process for filing a claim, and any necessary documentation. While a USD 50,000 cover is offered, evaluate if this meets your specific travel needs and destinations.
RBL World Safari Credit Card - Fees & Charges
- Joining Fee โ โน3,000 + GST
- Annual Fee โ โน3,000 + GST (waived on annual spends of โน3 lakh)
- Interest Rate โ 3.99% per month (47.88% per annum)
- Foreign Currency Markup โ 0% markup on international transactions
- Cash Withdrawal Charges โ 2.5% of the amount withdrawn (minimum โน500)
- Late Payment Fees โ Based on outstanding balance:
- โน0 โ โน100: No charge
- โน101 โ โน500: โน100
- โน501 โ โน5,000: โน500
- โน5,001 โ โน10,000: โน750
- โน10,001 and above: โน1,000
- Overlimit Charges โ 2.5% of overlimit amount (minimum โน600)
- EMI Conversion Charges โ 1% processing fee (minimum โน250)
- Reward Redemption Fee โ โน99 per redemption request
- Card Replacement Fee โ โน200
RBL World Safari Credit Card - Eligibility Criteria
To apply for the RBL World Safari Credit Card, applicants must meet the following criteria:
- Age Requirement โ The primary cardholder must be 21 to 60 years old.
- Nationality โ Available for Indian residents only.
- Employment Status โ The applicant must be salaried or self-employed with a stable income.
- Credit Score โ A good credit score (750 or above) is recommended for approval.
- Minimum Income โ The applicant should meet RBL Bankโs minimum income criteria (varies for salaried and self-employed individuals).
- Documentation โ Applicants need to submit identity proof, address proof, income proof, and recent photographs.
Pros and Cons
Pros:
Low Forex Markup: 0% forex markup makes it ideal for international transactions.
Travel-Focused Rewards: Higher reward points on travel spending.
Lounge Access: Provides access to airport lounges for comfortable travel.
Golf Benefits: Offers complimentary golf rounds for golf enthusiasts.
Travel Insurance: Includes international travel insurance for peace of mind.
Cons:
Joining and Renewal Fees: Rs. 3,000 + GST for both joining and renewal.
Limited Lounge Access: Only 2 domestic lounge access per year.
Interest Rate: Relatively high-interest rate of 3.99% per month. Rewards on Non-Travel Spending: Lower reward points on non-travel spending.
Validity: Card validity of 2 years might be shorter compared to other offerings.
User Experience
While specific user testimonials are unavailable, the overall user experience of the RBL World Safari Credit Card is likely to be influenced by the ease of redeeming reward points, the efficiency of customer service, and the user-friendliness of the RBL mobile app or website. Positive user experiences often highlight the convenience of lounge access, the value of the travel insurance coverage, and the simplicity of earning and redeeming rewards. Negative experiences may stem from difficulties in redeeming points, issues with customer service, or unexpected fees or charges. Prospective cardholders are encouraged to research online forums and review websites to gain a more comprehensive understanding of the user experience associated with the RBL World Safari Credit Card.
Verdict
The RBL World Safari Credit Card is a decent option for frequent travelers who prioritize travel-related benefits and are comfortable with the joining and renewal fees. The 0% forex markup and higher reward points on travel spending make it particularly attractive for international travelers. However, the limited lounge access and relatively high-interest rate are factors to consider
Recommendation:
If you frequently travel and can maximize the travel-related benefits while paying your balances on time to avoid interest charges, the RBL World Safari Credit Card can be a valuable addition to your wallet. However, if you are not a frequent traveler or prefer a card with more generous rewards on general spending, other credit cards may be more suitable. Before applying, compare the RBL World Safari Credit Card with other travel credit cards to determine which one best aligns with your specific needs and spending habits. Consider cards like HDFC Regalia, Axis Bank Vistara, or similar cards with comparable fees and benefits to make an informed decision.
