RBL World Safari Lite
Keep₹1,000 for zero forex. It earns almost nothing, and that is the whole point.
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: Vouchers worth ₹1,000 — ₹599 off ixigo flights and hotels + a Swiggy One benefit — on one transaction within 30 days of issuance and payment of the annual fee
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 groceries and 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 ₹39,000 a month
At ₹39,000 a month — ₹4,68,000 a year — on the everyday mix this card returns ₹1,300 gross (earn ₹0 + milestones ₹1,300) against its ₹1,000 fee = ₹300 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.
3 notes on the card itself: how it is issued · the network variants · why it ranks #104
Why #104 Ranked well above its computed score, and the score is not wrong — it is measuring the wrong thing. A card with no published earn on general spend scores near the floor by construction, because the value model prices earn. This one is bought for its markup: ₹1,000 a year for 0% forex, against ₹3,000 for the World Safari directly above it and 3.5% on most of RBL's shelf. The saving clears the fee at roughly ₹24,000 of foreign spend, which is one holiday. It sits immediately under its own sibling because the World Safari earns 2 points per ₹100 on everything and opens twice the lounge doors for three times the money — and above the airline co-brands below it because those charge you 3.5% the moment you land.
This is the one RBL card that prints its own point value, and it prints two: "Reward Point Value: INR 0.25 per point on Flights & Hotels bookings / INR 0.05 per point on all other redemptions." The ₹0.25 leg is the rbl-reward-points house value, so the category rates below are stated at it — and the ₹0.05 leg is now the currency's floor, moved here on 2026-08-15 because this page is the only RBL document that prints the ladder and the rewards-portal T&C confirms the rate is set per card and per exit. Redeem for anything other than a flight or a hotel and every point on this card is worth a fifth of the headline. Points also redeem exclusively on the RBL Rewards Portal, at ₹99 + GST per redemption day.
The take
World Safari Lite does one thing, and RBL argues the case itself on the product page: 0% markup on foreign currency, at a third of what the World Safari charges. The fee pays for itself after about ₹24,000 of foreign spend against the World Safari's ₹85,000, which makes this the cheapest zero-markup card in the country to simply carry abroad. Everything else is thinner than the badge suggests. There is no earn rate on ordinary spend — RBL publishes 1 point per ₹100 on domestic TRAVEL merchants and 5 per ₹100 on flights and hotels booked inside its own rewards portal, and nothing at all for the supermarket. The points that do land are worth ₹0.25 on a flight or a hotel and ₹0.05 on anything else, RBL's own words, and that ₹0.05 is now the floor we price the whole currency at. Lounge access is one visit a quarter inside India and one outside, and both need ₹50,000 spent in the previous calendar quarter. Buy it as a travel-money card with two milestone kickers at ₹2.5 lakh and ₹5 lakh; never buy it as a rewards card.
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
₹1,000/yr at stake · 5 spend bands
The charge ₹1,000/yr
Break-even ₹39,000 a month — ₹4,68,000 a year — is where this card's value crosses its fee.
At your spend
−₹1,000 a year, net of the fee, at ₹3,00,000 of annual spend
₹300 a year, net of the fee, at ₹6,00,000 of annual spend
₹2,800 a year, net of the fee, at ₹12,00,000 of annual spend
₹2,800 a year, net of the fee, at ₹36,00,000 of annual spend
₹2,800 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 — RBL's own charges table names World Safari Lite at 0% beside Lumière and the two other Safaris
- ₹1,000 a year: the markup saving pays the fee back after roughly ₹24,000 of foreign spend
- 1 lounge visit a quarter inside India + 1 a quarter outside, on ₹50,000 of prior-quarter spend
- 15,000 Reward Points across the ₹2.5 lakh and ₹5 lakh annual milestones
Watch out
- No published earn on general spend at all — only domestic travel merchants and RBL's own flight/hotel portal earn points
- 1 point = ₹0.05 on any redemption that isn't a flight or a hotel — a fifth of the ₹0.25 travel value
- Both lounge visits need ₹50,000 spent in the PREVIOUS calendar quarter, and an unused visit lapses with the quarter
- Redemptions only on the RBL Rewards Portal, ₹99 + GST per redemption day; no transfer partners
- RBL charges 1% on FIVE transaction types its Schedule of Charges lists separately from the reward exclusions: rent (MCC 6513, on every transaction), fuel and auto above ₹10,000 a transaction (capped at ₹3,000), utility spends above ₹50,000 a month, education paid through third-party apps such as CRED, PhonePe or Paytm (school and college websites are exempt), and — with effect from 7 January 2026 — FASTag loading and tolls above ₹10,000 a transaction. These are FEES, listed nowhere near the reward exclusions: a category can both cost you 1% and earn you nothing
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
8 sourced rules · 6 pay zero
READ THIS ONE BACKWARDS. Most cards publish a base rate and then carve categories out of it; RBL publishes no base rate for this card at all. §3.4 gives exactly two earning rules — 1 Reward Point per ₹100 on domestic TRAVEL merchants (§3.4(e) defines those as Airlines, Hotels & Motels and Transportation) and 5 per ₹100 on flights and hotels booked inside the RBL Rewards Portal — so a supermarket, a restaurant or a department store earns nothing, and is marked `na` rather than `excluded` because there is no rate to exclude it from. §3.4(d) then names a separate always-zero list. Points redeem only on the RBL Rewards Portal at ₹0.25 on flights and hotels and ₹0.05 on anything else, ₹99 + GST per redemption day. The MCC table in the PDF is a bitmap and did not extract — the category names below are RBL's own words from the surrounding prose, not the codes.
- Fuel · excluded "Fuel & Auto" — named in §3.4(d) as ineligible to earn
- Wallet loads · excluded Named in §3.4(d) as ineligible to earn
- Rent & property management · excluded "Rental" — named in §3.4(d) as ineligible to earn
- Utilities (electricity/water/gas) · excluded Named in §3.4(d) as ineligible to earn
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 Lite 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
32 of 793 tracked doors
Gate: ₹50k spend in the PREVIOUS calendar quarter; an unused visit lapses with the quarter
Opens 32 of 793 tracked lounge doors across 19 airports — 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 ₹1,000 + GST in the first year and ₹1,000 + GST from the second, with NO spend waiver — RBL's Schedule of Charges carries a waiver clause on several other rows and none on this one. Welcome vouchers are released only after the annual fee is paid. The 0% markup is the whole product: there is no published earn rate on general spend, only 1 Reward Point per ₹100 on domestic travel MCCs (airlines, hotels and motels, transportation) and 5 per ₹100 on flights and hotels booked inside the RBL Rewards Portal, and points redeem exclusively on that portal. Excluded from earning entirely: Fuel & Auto, Utilities, Wallet, Insurance, Railways, Rental and Miscellaneous payments. RBL publishes no income or age criteria for this card, and names no payment network for it in any document.
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 — ₹1,000 + GST annual membership, 0% forex, and the split point value: "INR 0.25 per point on Flights & Hotels bookings / INR 0.05 per point on all other redemptions"
- official Product T&C — §3.4 confirms the earn is domestic-travel-only plus the rewards portal, §3.3 gates both lounge visits on ₹50,000 of prior-quarter spend, and §3.5 states both milestones
- official Schedule of Charges — "World Safari Lite: INR 1,000 (1st Year) / INR 1,000 (2nd Year onwards)" with no spend waiver, and 0% forex markup alongside Lumière and the other two Safaris
- official Bank-wide MITC — the markup table names World Safari Lite at 0% against 3.5% on most of RBL's shelf, and puts the ₹99 + GST reward-redemption fee on every RBL card