RBL Bank World Safari Credit Card vs SBI Card MILES PRIME Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  RBL Bank World Safari Credit CardRBL Bank5 recent changes → |  SBI Card MILES PRIMEState Bank of India4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.5% base, up to 1.25% on travel | 0.5% base, up to 1% on travel | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shoppingsame | 0.5% | 0.5% | |
| Dining and food deliverysame | 0.5% | 0.5% | |
| Groceriessame | 0.5% | 0.5% | |
| Travel: flights, hotels, trains | 1.25% | 1% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and rechargessame | Earns nothing | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college fees | 0.5% | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Not stated | Not stated | |
| Spend abroad or in a foreign currency | Earns nothing | 0.5% | |
| Everything elsesame | 0.5% | 0.5% | |
| Card identity | |||
| Card typesame | Travel | Travel | |
| Networksame | Mastercard | Mastercard | |
| Card tiersame | Premium | Premium | |
| Fees | |||
| Joining fee | ₹3,000 + GST | ₹2,999 + GST | |
| Annual fee | ₹3,000 + GST | ₹2,999 + GST | |
| Fee waived at | - | ₹10,00,000 | |
| Eligibility | |||
| Min agesame | 21 years | 21 years | |
| Max age | 65 years | 70 years | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward type | Reward points | Air miles | |
| Point value | ₹0 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver capsame | ₹250 | ₹250 | |
| Lounge access | |||
| Domestic lounge visitssame | 8 | 8 | |
| International lounge visits | 2 | 4 | |
| Lounge programmesame | PRIORITY_PASS | PRIORITY_PASS | |
| Priority Passsame | Yes | Yes | |
| Lounge condition | Spend Rs 35,000 in the previous quarter for domestic lounge access | 8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years | |
| Forex and international | |||
| Forex markup | None | 2.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 3.99% | 3.75% | |
| Interest rate (annual) | 47.88% | 45% | |
| Redemption | |||
| Redemption fee | ₹99 | - | |
| Page content | |||
| Documents needed | PAN card Aadhaar / address proof Income proof (salary slips or ITR) | PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹1,656
- Fee a year
- - ₹3,540
- You keep
- - ₹1,884
- Rewards a year
- ₹1,500
- Fee a year
- - ₹3,539
- You keep
- - ₹2,039
At this spend, RBL Bank World Safari Credit Card comes out ₹155 a year ahead of SBI Card MILES PRIME. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- International travellers
- People who spend in foreign currency
- Golfers who travel
- Frequent flyers
- People who spend heavily on travel
- Travellers who want Priority Pass access
Watch-Outs
- No stated fee waiver
- Only 2 international lounge visits a year
- Domestic lounges need Rs 35,000 spend in the previous quarter
- Low 0.5% on non-travel spends
- Fee waiver needs Rs 10 lakh a year, which most people will not reach
- Base return of about 0.5% is low
- Credits are worth the most only when redeemed for travel
Card data sourced via CardAdvisor.in (RBL Bank World Safari Credit Card, SBI Card MILES PRIME), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, RBL Bank World Safari Credit Card or SBI Card MILES PRIME?
SBI Card MILES PRIME. SBI Card MILES PRIME: ₹2,999; RBL Bank World Safari Credit Card: ₹3,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
RBL Bank World Safari Credit Card has the lowest forex markup. RBL Bank World Safari Credit Card: 0%; SBI Card MILES PRIME: 2.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: RBL Bank World Safari Credit Card 0.5%, SBI Card MILES PRIME 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Which gives airport lounge access?
RBL Bank World Safari Credit Card: 8 domestic lounge visits a year; SBI Card MILES PRIME: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
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