RBL World Safari
KeepIndia's original zero-forex card. The points are a rounding error.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: ₹3,000 MakeMyTrip voucher — one transaction within 30 days + fee payment in the first cycle; voucher emailed within 60 days
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on utilities and fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹25,000 a month
At ₹25,000 a month — ₹3,00,000 a year — on the everyday mix this card returns ₹3,800 gross (earn ₹1,300 + milestones ₹2,500) against its ₹3,000 fee = ₹800 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
The take
World Safari does exactly one thing better than almost every card in this catalog: 0% forex markup, full stop. Spend abroad and you save the 3.5% + GST everyone else quietly charges — worth more than most reward programs on an international trip. The points themselves are forgettable (~0.5% at ₹0.25 each, nothing on international spend, no transfer partners), so treat this as a travel-money tool, not a rewards card. Pair it with a real miles engine and carry it for the border crossings.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹3,000/yr at stake · 5 spend bands
The charge ₹3,000/yr
Break-even ₹25,000 a month — ₹3,00,000 a year — is where this card's value crosses its fee.
At your spend
₹800 a year, net of the fee, at ₹3,00,000 of annual spend
₹5,800 a year, net of the fee, at ₹6,00,000 of annual spend
₹18,300 a year, net of the fee, at ₹12,00,000 of annual spend
₹28,400 a year, net of the fee, at ₹36,00,000 of annual spend
₹38,500 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
RBL Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 21 Aug 2026 Club ITC pays up to 50,000 bonus Green Points for spreading 10 nights across all five brands a program these points reach
- 7 Jan 2026 RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 0% forex markup — the entire pitch, and it delivers
- ₹3,000 fee pays for itself after ~₹85k of foreign spend
- Milestones: 25,000 points + ₹10,000 voucher across ₹2.5L/₹5L/₹7.5L annual spend
- 2 domestic lounge visits/quarter (₹35k prior-quarter gate) + 2 international/yr via Priority Pass
- 4 complimentary golf rounds a year + lessons (Mastercard)
Watch out
- 0.5% reward rate; zero points on international spend
- No transfer partners; closed-loop redemptions with a ₹99 + GST fee per redemption day
- Domestic lounge access needs ₹35,000 of spend in the previous quarter
- IDFC Mayura now matches the 0% forex with better earn — compare first
What these points actually fly
RBL Reward Points move to Club ITC — and that programme prices every award dynamically. There is no published chart to quote, so we quote nothing: an estimate is not a seat.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
13 sourced rules · 9 pay zero
Official T&C MCC table: Fuel & Auto, Utilities (4900), Insurance (6300/6310), Railways (0066/4011/4112 — also zero-earn, no column here), Real Estate/Rental (6513), Wallet (6540), Miscellaneous (5960). Points are ~0.5% anyway — the card's value is the 0% forex markup, not the earn. Redemptions carry a ₹99+GST fee per redemption day.
- Fuel · excluded 'Fuel & Auto' MCC 0032/2541/4001/5541/5542/5172; 1% surcharge waiver on ₹500–₹4,000 txns, waiver cap ₹250/month (official page)
- Rent & property management · excluded 'Real Estate/Rental' MCC 6513 — zero
- Wallet loads · excluded MCC 6540 — zero
- Utilities (electricity/water/gas) · excluded MCC 4900 (4814/4816/4899 not listed — same narrow-utilities quirk as HSBC)
Does your spend count toward the milestones?
not published — and we say which
₹2,50,000 a year is the bar for the first milestone. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. RBL Bank states what the RBL World Safari earns and does not earn, but has not published which spend categories count toward the milestones — the ₹2,50,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
686 of 793 tracked doors
Gate: ₹35k prior-quarter spend (domestic)
Opens 686 of 793 tracked lounge doors across 274 airports , via Priority Pass Global — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
RBL Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official RBL Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Fee ₹3,000 both years, NO spend waiver. The 0% forex is the whole product — and cashing out the (already thin) points costs ₹99+GST per redemption day. Fuel surcharge waiver 1% on ₹500–₹4,000, capped ₹250/month. RBL publishes no income/age criteria for World Safari.
per the official RBL Bank MITC · reviewed 10 Jul 2026
What's changed for this card
6 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 22 Aug 2026RBL relaunches the Shoppers Stop co-brand as a Gold / Platinum / Black trio
- 21 Aug 2026Club ITC pays up to 50,000 bonus Green Points for spreading 10 nights across all five brands
- 7 Jan 2026RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet
- 1 Jul 2025RBL gates domestic lounges behind ₹35k a quarter
- 15 Oct 2024RBL strips points from education, government and wallet spends
Verified against RBL Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official Product page — "0% Forex Markup on all foreign transactions"; "The annual membership cost for the World Safari Credit Card is INR 3,000 + GST"
- official Bank-wide MITC PDF — 0% forex carve-out for the World Safari family (plain/Lite/Plus), ₹3,000 fee both years, ₹99 + GST redemption fee, tiered APR
- community CardInsider review
- official RBL network availability guide