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Is the RBL Bank World Safari Credit Card Worth It?

Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.

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RBL Bank World Safari Credit Card
RBL Bank World Safari Credit CardView card →
  • Travel card
  • ₹3,540 fee a year (with GST)
  • 0.5% base, up to 1.25% on travel
  • 10 lounge visits a year
  • Pays in reward points
Good for
  • travel: 1.25% back
  • flyers: 10 airport lounge visits a year
  • spending abroad: 0% markup, most cards add 3.5%
Skip it if
  • you spend less than ₹59,000 a month: below that the ₹3,540 fee costs more than the rewards
  • most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
  • you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
  • you rarely spend on travel: the 1.25% rate applies only there, everything else earns 0.5%
  • you sometimes pay only the minimum due: interest of 3.99% a month (47.88% a year) outweighs any reward

Your spend a month, by kind

Terms on the normal rate: 2 reward points per ₹100 (~0.5%) on other spends

Also earns nothing on: Railways, Miscellaneous payments.

Total on the card: ₹0 a month

Abroad and benefits

Every rate on this card, and what your spend earns

Earns nothing onFuelUtility billsWallet loadsInsuranceRentInternationalRailwaysMiscellaneous payments

Spend categoryRateMonthly capWhere it appliesYour spend earns
UPI payments (scan and pay)Earns nothing-a Visa or Mastercard card cannot pay by UPI-
Online shopping0.5%No capThe card's normal rate-
Dining and food delivery0.5%No capThe card's normal rate-
Groceries0.5%No capThe card's normal rate-
Travel: flights, hotels, trains1.25%No capAll merchants in the categoryTerms: 5 reward points per ₹100 (~1.25%) on travel; 0% forex markup. International spend earns nothing EXCEPT travel-category bookings, which still earn 5 RP per ₹100-
FuelEarns nothing-earns nothing on this card-
Bills and rechargesEarns nothing-earns nothing on this card-
RentEarns nothing-earns nothing on this card-
Insurance premiumsEarns nothing-earns nothing on this card-
School and college fees0.5%No capThe card's normal rate-
Wallet top-upsEarns nothing-earns nothing on this card-
Taxes and government paymentsNot stated-the card's terms state no rate here; many cards pay nothing on these-
Spend abroad or in a foreign currencyEarns nothing-earns nothing on this card-
Everything else0.5%No capThe card's normal rate-

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Common Questions

When is a credit card worth its annual fee?

When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.

Why is GST added to the fee?

Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.

What does 'capped' mean?

Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.

Is a lifetime free card always better?

Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.

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