RBL World Safari
₹17,000 a year, after fees
₹3,000 fee · Lounges in India and abroad · No forex markup · Reward rate 0.5%–1.3%
Ranked lower: includes ₹10,000 in vouchers
RBL Bank credit cards: 44 you can apply for
The best one for most people is RBL World Safari.
₹17,000a year after fees, at ₹75,000 a month
It pays back the most of the 38 RBL Bank cards open to apply that we can value.
Points and where they go
RBL Bank's main points currency is RBL Reward Points, worth ₹0.25 a point: 11 airline and hotel programmes take them. Its cards earn 5 kinds of points in all.
| Programme | Worth a point | Cards | Partners |
|---|---|---|---|
| RBL Reward Points | ₹0.25 | 67 | 11 |
| RBL Reward Points (Nova/Lumière) | ₹1.00 | 2 | 12 |
| IndianOil Fuel Points | ₹0.50 | 2 | none |
| IRCTC Reward Points | ₹1.00 | 1 | none |
| Practo HealthCash | ₹0.90 | 1 | none |
7 more cards pay cash back. Values are what we think a point is worth in India.
Every RBL Bank transfer partner 23 routes
| Transfer to | Ratio | One point becomes | Time |
|---|---|---|---|
| Air India Maharaja Club | 2:1 | ₹0.50 | up to 10 working days |
| Singapore Airlines KrisFlyer | 2:1 | ₹0.55 | not published |
| AirAsia Rewards | 2:1 | ₹0.12 | up to 10 working days |
| Qatar Airways Privilege Club (Avios) | 2:1 | ₹0.50 | up to 1 working day |
| IndiGo BluChip | 2:1 | ₹0.25 | up to 1 working day |
| Ethiopian ShebaMiles | 2:1 | ₹0.50 | up to 1 working day |
| SpiceJet SpiceClub | 2:1 | ₹0.25 | up to 1 working day |
| AirRewards (Air Arabia) | 2:1 | ₹0.47 | up to 1 working day |
| Orchid Rewards | 2:1 | ₹0.50 | up to 1 working day |
| Radisson Rewards | 2:1 | ₹0.11 | up to 1 working day |
| Vietnam Airlines Lotusmiles | 2:1 | ₹0.50 | up to 1 working day |
| Club ITC | 1:1 | ₹1.00 | up to 10 working days |
Ratios read RBL Reward Points (Nova/Lumière) : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.
| Transfer to | Ratio | One point becomes | Time |
|---|---|---|---|
| Air India Maharaja Club | 3:1 | ₹0.33 | up to 10 working days |
| IndiGo BluChip | 3:1 | ₹0.17 | up to 1 working day |
| AirAsia Rewards | 3:1 | ₹0.08 | up to 10 working days |
| Ethiopian ShebaMiles | 3:1 | ₹0.33 | up to 1 working day |
| SpiceJet SpiceClub | 3:1 | ₹0.17 | up to 1 working day |
| AirRewards (Air Arabia) | 3:1 | ₹0.32 | up to 1 working day |
| Club ITC | 3:1 | ₹0.33 | up to 10 working days |
| Orchid Rewards | 3:1 | ₹0.33 | up to 1 working day |
| Radisson Rewards | 3:1 | ₹0.07 | up to 1 working day |
| Vietnam Airlines Lotusmiles | 3:1 | ₹0.33 | up to 1 working day |
| Qatar Airways Privilege Club (Avios) | 3:1 | ₹0.33 | up to 1 working day |
Ratios read RBL Reward Points : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.
Compare every route, including longer ones through other programmes
Recent changes
- RBL relaunches the Shoppers Stop co-brand as a Gold / Platinum / Black trio Better for you · Launch · RBL Bank
- RBL's Miles Transfer Programme opens 12 airline and hotel partners to five cards Changed · Partner change · RBL Bank
- RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet Worse for you · Fee change · RBL Bank
- RBL gates domestic lounges behind ₹35k a quarter Worse for you · Lounge change · RBL Bank
- RBL strips points from education, government and wallet spends Worse for you · Devaluation · RBL Bank
All 97 RBL Bank cards
Fees run ₹0 to ₹50,000, and 10 of them are genuinely free for life. We cannot value 23 of them: RBL Bank publishes no fee or no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 49 keep, 29 downgrade, 19 cancel.
Open to apply 44
-
RBL World Safari
₹17,000 a year, after fees
₹3,000 fee · Lounges in India and abroad · No forex markup · Reward rate 0.5%–1.3%
Ranked lower: includes ₹10,000 in vouchers
-
RBL Platinum Maxima Plus
₹8,000 a year, after fees
₹2,500 fee · Lounges in India · Reward rate 0.5%–2.5%
Ranked higher: its bonus category adds ₹2,300 a year
-
RBL Cookies
₹7,500 a year, after fees
₹1,200 fee · Reward rate 0.2%–10%
Ranked higher: its bonus category adds ₹5,300 a year
-
RBL Platinum Maxima
₹6,000 a year, after fees
₹2,000 fee · Lounges in India · Reward rate 0.5%–2.5%
Ranked higher: its bonus category adds ₹2,300 a year
-
RBL Nova
₹2,600 a year, after fees
₹12,500 fee · Lounges in India and abroad · 2% forex markup · Reward rate 2%–6%
Ranked higher: its bonus category adds ₹5,400 a year
-
RBL Movies and More
₹5,600 a year, after fees
₹1,000 fee · Reward rate 0.3%–5%
Ranked higher: its bonus category adds ₹2,000 a year
-
-
RBL Patanjali Vishisht
₹1,900 a year, after fees
₹499 fee · Reward rate 0.3%–10%
Ranked higher: its bonus category adds ₹4,400 a year
36 more open to apply by value
-
TVS Credit RBL Bank Gold
₹5,800 a year, after fees
₹1,500 fee · Lounges in India and abroad · Reward rate 0.5%–2.5%
-
-
RBL Shoprite
₹1,900 a year, after fees
₹500 fee · Reward rate 0.3%–5%
Ranked higher: its bonus category adds ₹2,700 a year
-
RBL Binge
₹1,900 a year, after fees
₹999 fee · Reward rate 0.3%–3%
Ranked higher: its bonus category adds ₹1,700 a year
-
IndianOil RBL Bank XTRA Credit Card
₹10,100 a year, after fees
₹1,500 fee · Reward rate 1%–7.5%
Ranked lower: includes points worth full value only in one app
-
RBL Bank SalarySe UP
₹1,500 a year, after fees
₹499 fee · Reward rate 0.2%–2%
Ranked higher: its bonus category adds ₹1,800 a year
-
-
RBL BankBazaar SaveMax
₹1,900 a year, after fees
₹0 fee · Reward rate 0.3%–1.3%
Ranked higher: its bonus category adds ₹1,400 a year
-
-
-
RBL World Safari Lite
₹300 a year, after fees
₹1,000 fee · Lounges in India and abroad · No forex markup · Reward rate 0%–1.3%
Ranked higher: its bonus category adds ₹1,100 a year
-
IndianOil RBL Bank Credit Card
₹4,100 a year, after fees
₹500 fee · Reward rate 0.5%–5%
Ranked lower: includes points worth full value only in one app
-
IRCTC RBL Bank Credit Card
₹5,300 a year, after fees
₹500 fee · Reward rate 0.5%–2.5%
Ranked lower: includes points worth full value only in one app
-
-
-
RBL Icon
₹10,800 a year, after fees
₹5,000 fee · Lounges in India · Reward rate 0.5%–5%
Its milestone pays only from ₹8 lakh a year — the low end of this range
-
-
RBL Platinum Edge
₹7,500 a year, after fees
₹1,999 fee · Lounges in India · Reward rate 0.5%–1%
Ranked higher: its bonus category adds ₹1,400 a year
-
RBL Bank Blockbuster
₹5,100 a year, after fees
₹3,000 fee · Lounges in India · Reward rate 0.3%–5%
Ranked higher: its bonus category adds ₹2,600 a year
-
RBL Paisabazaar Duet Plus
₹3,600 a year, after fees
₹1,499 fee · Reward rate 1%–2.5%
Ranked higher: its bonus category adds ₹2,400 a year
-
-
RBL Platinum Max
₹2,800 a year, after fees
₹999 fee · Reward rate 0.5%–5%
Ranked higher: its bonus category adds ₹2,000 a year
-
RBL Platinum Prime
₹2,800 a year, after fees
₹999 fee · Reward rate 0.5%–5%
Ranked higher: its bonus category adds ₹2,000 a year
-
RBL Platinum LifeEasy
₹1,000 a year, after fees
₹1,999 fee · Lounges in India · Reward rate 0%–10%
Ranked higher: its bonus category adds ₹2,400 a year
-
-
-
-
RBL Bank Shoppers Stop Black
−₹8,500 a year, after fees
₹10,000 fee · Reward rate 0.5%–7.5%
Ranked higher: its bonus category adds ₹5,400 a year
-
-
-
-
-
-
-
-
Invite only 12
-
RBL BankBazaar SaveMax Pro
₹4,100 a year, after fees
₹1,499 fee · Reward rate 0.5%–2.5%
Ranked higher: its bonus category adds ₹3,600 a year
-
RBL iGlobe
₹12,600 a year, after fees
₹3,000 fee · Lounges in India and abroad · 1.5% forex markup · Reward rate 1.3%–2.5%
Ranked higher: its bonus category adds ₹2,300 a year
-
RBL Signature Banking
₹11,100 a year, after fees
₹2,500 fee · Lounges in India and abroad · Reward rate 1%–4%
-
-
RBL Insignia Preferred Banking World Card
₹11,600 a year, after fees
₹7,000 fee · Lounges in India and abroad · 1.5% forex markup · Reward rate 1.3%–2.5%
Ranked lower: includes ₹8,000 in vouchers
-
-
RBL Lumière
−₹33,100 a year, after fees
₹50,000 fee · Lounges in India and abroad · No forex markup · Reward rate 2%–10%
Ranked higher: its bonus category adds ₹7,200 a year
-
RBL World Safari Plus
−₹4,100 a year, after fees
₹6,000 fee · Lounges in India and abroad · No forex markup · Reward rate 0.3%–1.3%
4 more invite only by value
Not confirmed on sale 3 cards
-
RBL World Plus
₹8,800 a year, after fees
₹4,999 fee · Lounges in India · Reward rate 0.5%–5%
Ranked higher: its bonus category adds ₹8,100 a year
-
RBL World Max
₹5,300 a year, after fees
₹2,999 fee · Lounges in India · Reward rate 0.5%–5%
Ranked higher: its bonus category adds ₹2,600 a year
-
RBL World Prime
₹5,800 a year, after fees
₹2,999 fee · Lounges in India · Reward rate 0.5%–1%
Ranked higher: its bonus category adds ₹1,100 a year
Business cards 6 cards
-
RBL Corporate T&E Gold
₹2,800 a year, after fees
₹0 fee · Lounges in India · 3% forex markup · Reward rate 0.3%–0.5%
-
RBL RazorpayX Corporate T&E
₹2,800 a year, after fees
₹0 fee · Lounges in India · 2.5% forex markup · Reward rate 0.3%–0.5%
-
RBL Corporate T&E Platinum
₹800 a year, after fees
₹1,999 fee · Lounges in India and abroad · 2% forex markup · Reward rate 0.3%–0.5%
-
-
-
Closed or paused 32 cards
-
RBL Edition Black
₹11,000 a year, after fees
₹1,499 fee · Lounges in India and abroad · Reward rate 1%–10%
Ranked higher: its bonus category adds ₹6,500 a year
-
RBL Monthly Treats
₹7,800 a year, after fees
₹1,200 fee · Reward rate 0.2%–10%
Ranked higher: its bonus category adds ₹5,300 a year
-
-
RBL IGU NHS Golf World Card
₹5,500 a year, after fees
₹0 fee · Lounges in India · Reward rate 0.5%–2.5%
-
-
RBL India Startup Club World
₹10,000 a year, after fees
₹5,000 fee · Lounges in India · Reward rate 1.3%–2.5%
-
RBL Titanium Delight
₹3,300 a year, after fees
₹750 fee · Reward rate 0.3%–5%
Ranked higher: its bonus category adds ₹2,800 a year
-
RBL Bank MoCash
₹2,300 a year, after fees
₹500 fee · Reward rate 0.3%–1.5%
Ranked higher: its bonus category adds ₹3,400 a year
-
ETMONEY RBL Bank LoanPass Credit Card
₹2,500 a year, after fees
₹499 fee · Reward rate 0.3%–20%
Ranked higher: its bonus category adds ₹2,800 a year
-
-
Bajaj Finserv RBL Bank CA SuperCard
₹5,300 a year, after fees
₹999 fee · Lounges in India · Reward rate 0.3%–2.5%
-
RBL vCard
₹2,400 a year, after fees
₹0 joining + ₹500/yr · Reward rate 0.3%–10%
Ranked higher: its bonus category adds ₹1,800 a year
-
-
Bajaj Finserv RBL Bank Doctor's SuperCard
₹3,300 a year, after fees
₹999 fee · Lounges in India · Reward rate 0.3%–0.5%
-
-
-
RBL Platinum Cricket
₹3,500 a year, after fees
₹1,000 fee · Lounges in India · Reward rate 0.5%–1.5%
-
RBL Bank Practo Plus Credit Card
₹6,100 a year, after fees
₹0 joining + ₹2,000/yr · Lounges in India · Reward rate 0.9%
Ranked lower: includes points worth full value only in one app
-
-
-
-
RBL Bank YOUnique
Not valued fee or rewards not published
Fee not published · Lounges in India · Reward rate 0.3%–5%
-
RBL Bank Cricket Credit Card
Not valued fee or rewards not published
Fee not published · Lounges in India
-
-
RBL HyperCITY Reward Plus
Not valued fee or rewards not published
Fee not published · Lounges in India · Reward rate 0.5%–3%
-
RBL HyperCITY Reward
Not valued fee or rewards not published
Fee not published · Reward rate 0.3%–1.3%
-
-
-
-
-
-
Standard charges
The charges RBL Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.
| Charge | What the bank says | Our read | Cards |
|---|---|---|---|
| Interest (APR) | Up to 3.99%/mo (47.88%/yr) on both revolving credit and cash advances; interest-free grace period up to 50 days | High | 39 of 74 |
| Late payment fee | 12.5% of the total outstanding amount, min ₹5, max ₹1,300 | 39 of 72 | |
| Cash withdrawal fee | 2.5% of the cash amount withdrawn, min ₹500 | 39 of 74 | |
| Add-on card fee | ₹200/yr per add-on card | 40 of 65 | |
| Over-limit fee | Nil | Free | 39 of 68 |
Cards counts the RBL Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.
RBL Bank in RBI's figures
- Cards in force
- 46,91,026
- 3.8% of India's cards
- Spent in August 2026
- ₹7,162 crore
- 64% of it online
- Spend per card
- ₹15,266
- a month, on average
Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures
Sources
The RBL Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.
- Official Bank-wide MITC PDF — ₹3,000 fee (NIL for Insignia Preferred Banking customers), 1.5% forex, tiered APR, late fee, ₹99/day redemption fee read
- Official Commercial-card MITC — "For RBL Bank Corporate T&E Platinum Card: INR 1,999 + GST", the 2.00% markup, the cash-advance terms and the two-year point expiry read
- Official Card T&C — the ₹1,000 fee, the two-price Reward Point (₹0.25 in store, up to ₹0.10 on RBL's portal), both monthly caps, both milestones and the exclusion MCC table read
- Official Card T&C — the ₹10,000 fee, the two-price Reward Point (₹1 at Shoppers Stop, up to ₹0.25 on RBL's portal), both monthly caps, both milestones and the full exclusion MCC table read
- Official Card T&C — the ₹5,000 fee, the two-price Reward Point (₹0.50 in store, up to ₹0.25 on RBL's portal), both monthly caps, both milestones and the exclusion MCC table read
- Official Official product page — ₹12,500 Taj Experiences/Luxe welcome gift card, "Earn 4 Reward Points for every INR 200 spent on purchases anywhere" read
- Official Official product page — ₹50,000 + GST fee, first three add-on cards complimentary, Select Circle concierge (page is now a thin marketing splash; earn/transfer detail lives) read
- Official Product page — ₹1,999 annual fee, 1 domestic lounge visit a quarter, the flat 2 RP base (fuel excluded), 2X online points, and the milestone ladder read
- Official Product page — ₹1,999 annual fee, the ₹3.5 lakh second-year waiver, 1 domestic lounge visit a quarter, and a footnote excluding the Fuel & Auto category its own headline advertises read
- Official Product T&C — §3.1 the welcome, §3.4 the 2/10 Reward Point grid, §3.5 the milestone ladder, §3.7 the ungated domestic lounge clause read
- Official Product T&C — §3.1 welcome, §3.2 the 10% Patanjali-store cashback, §3.3 the flat 1 RP/₹100 base, §3.4 the same dated milestone-revision table, §3.6 the ₹50,000-gated lounge clause read
- Official Product T&C — §3.2 states 2 domestic lounge visits a quarter (contradicts the product page's 1), §3.4 the 2/10 Reward Point grid, §3.5 the 20,000-point milestone ladder read
- Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read