RBL World Safari Credit Card – Benefits, Fees & Eligibility

Introduction

The RBL World Safari Credit Card, issued by RBL Bank, is positioned as a premium travel card specifically designed for travel enthusiasts and millennials. Its key differentiating benefits include a zero foreign currency markup fee on international transactions, complimentary access to both domestic and international airport lounges, a rewarding travel points program on various spends, and attractive milestone benefits such as bonus travel points and gift vouchers.

Welcome Benefits

• Receive a MakeMyTrip voucher worth ₹3,000 as a welcome gift.
• To avail this benefit, the cardholder must transact with the card at least once within 30 days of issuance and pay the membership fee within the first billing cycle.
• The voucher will be sent to the registered email address within 60 days from the date of card issuance.
• The validity of the voucher is 120 days from the date of voucher receipt.
• The MakeMyTrip gift voucher is valid for a period of 12 months from the date of activation.

Fees

• Joining Fee: ₹3,000 + GST
• Annual Fee: ₹3,000 + GST
• Spend-Based Waiver: Nil
• Rewards Redemption Fee: ₹99 + GST (a one-time fee charged for redemptions made in a single day).
• Foreign Currency Markup: Nil (0% markup on international spending).
• Interest Rates: 3.99% per month (equivalent to 47.88% per annum).
• Fuel Surcharge Waiver: A 1% fuel surcharge waiver is applicable at all fuel stations across India. This waiver is valid for fuel transactions between ₹500 and ₹4,000 and is subject to a maximum waiver of ₹250 per month.
• Cash Advance Charges: 2.5% of the withdrawal amount, subject to a minimum charge of ₹500.
• Priority Pass Subsequent Lounge Visits: After exhausting the complimentary visits, any subsequent lounge visit using Priority Pass will be chargeable at up to USD 35 per person per visit.

Rewards

Rewards Rate

• Earn 5 Travel Points on every ₹100 spent on travel.
• Earn 2 Travel Points on every ₹100 spent on all other eligible domestic retail transactions.
• No Travel Points are provided for international spends.
• No Travel Points shall be awarded for fuel, insurance, utilities, railways, education, wallet reload, rent, and government transactions.
• Reward points earned will be credited to the Cardmember’s account within 45 days from the settlement date of eligible retail transactions.

Milestone Rewards

• Earn 10,000 bonus travel points when you spend ₹2.5 lakhs or more in a membership year.
• Earn 15,000 additional travel points on spending ₹5 lakhs or more in a membership year.
• Receive a gift voucher worth ₹10,000 from brands including Taj Experiences, Amazon, Croma, Myntra, or MakeMyTrip on achieving an annual spend of ₹7.5 lakhs.
• Reward points earned as ‘Milestone Benefit’ will be credited to your account within 45 days from the date of crossing the corresponding ‘Milestone Benefit’.
• Vouchers shall be mailed to you within 45 days from the date of crossing the corresponding ‘Milestone Benefit’.

Travel Benefits

• Zero Forex Charges: The card offers a 0% foreign currency markup fee on international spending, which can result in approximately 4% savings on currency exchange transactions compared to other cards.
• Domestic Lounge Access: Get 2 complimentary airport lounge accesses within India per quarter, provided you spend ₹35,000 or more in the previous calendar quarter (totaling 8 complimentary accesses per year).
• International Lounge Access:
  • A complimentary Priority Pass membership is provided with the card.
  • Enjoy 2 complimentary international lounge visits per calendar year via Priority Pass.
  • Avail an additional 1 international lounge visit per quarter by spending ₹50,000 or more in the previous calendar quarter. This extra visit can be accessed through a voucher issued by Lounge Key on behalf of RBL Bank.
• Travel Insurance: Complimentary travel insurance cover up to USD 50,000 is provided for international travels (excluding the country of residence). This cover includes:
  • Emergency Medical Expenses: USD 50,000
  • Flight Delay: USD 250
  • Lost Baggage: USD 200
  • Lost Passport: USD 300
  • Personal Liability: USD 10,000
  • Dental Treatment
  • The age requirement for the insurance cover is between 18 to 75 years.

Golf Privileges

• Get easy access to premier golf courses across India.
• Receive 4 complimentary rounds of green fee in a year.
• Receive 4 complimentary golf lessons every year (1 per month).
• Enjoy a 50% discount on green fees after the complimentary visits.
• Golf Concierge services are complimentary only for MasterCard holders.
• An advance notice of seven days is required to book a game.

24x7 Concierge Desk

• A dedicated concierge desk is available around the clock to assist with:
  • Golf Course Referral and Reservation Assistance
  • Hotel Referral and Reservation Assistance
  • Dining Referral and Reservation Assistance
  • Spa, Fitness Centre, and Sports Centre Information and Referral Assistance

Rewards Redemption Guide

• The Travel Points earned can be redeemed for various categories and products, including flight/hotel bookings, shopping, and gift vouchers, through the RBL Rewards platform (rblrewards.rbl.bank.in).
• The redemption value is 1 Travel Point = ₹0.25.

Card Eligibility Criteria

• The applicant’s age should be above 21 years.
• The applicant should have a stable source of income, meaning they should either be salaried or self-employed.
• The applicant should have a decent credit score.

Card Review

• Overall Verdict: The RBL World Safari Credit Card is a premium offering from RBL Bank, packed with features and benefits designed to enhance the travel experience and make it more affordable. It stands out with its zero foreign exchange markup fee and comprehensive lounge access, making it a strong contender for frequent international travelers. The card also offers a robust rewards program with significant milestone benefits.
• Pros:
  • Offers Zero Forex Markup charges, making it an excellent choice for international transactions and saving on currency conversion fees.
  • Provides complimentary international travel insurance, covering various travel-related emergencies.
  • Includes extensive complimentary domestic and international airport lounge access, enhancing the travel comfort.
  • Features attractive milestone rewards, allowing cardholders to earn up to 25,000 bonus travel points and a gift voucher worth ₹10,000 annually on achieving specified spending thresholds.
• Cons:
  • Despite having zero forex markup, the card does not offer any reward points for international spends, which might make it less appealing as a primary premium credit card for earning rewards on overseas transactions.

Important Product Details

• Welcome gift voucher worth ₹3,000 from MakeMyTrip.
• Earn up to 5 travel points on every spend of ₹100.
• Opportunity to earn up to 25,000 bonus travel points every year on achieving milestone spends.
• Receive an additional gift voucher worth ₹10,000 from select brands (Taj Experiences, Amazon, Croma, Myntra, MakeMyTrip) on annual spending of ₹7.5 lakhs.
• Complimentary domestic and international lounge access.
• Complimentary membership to the Priority Pass program.
• Complimentary access to golf sessions at selected golf courses across the country.
• Zero foreign currency markup fee on international transactions.
• 1% fuel surcharge waiver.
• Complimentary travel insurance cover up to USD 50,000.

Other Details

• The Priority Pass card is provided along with the credit card, with a validity of one year, and is renewed annually as long as the World Safari Card remains active.
• Some customers may receive a Visa variant of the card, which might not include all MasterCard-specific privileges, such as certain golf benefits.
• For golf bookings, cardholders can contact the MasterCard World Card Golf helpline at 1800 102 6263; an advance notice of seven days is required.
• For concierge services, cardholders can contact Customer Service at 022 6232 7777.
• Detailed product terms and conditions, most important terms and conditions, and the schedule of charges are available for reference.