Verified value
₹0.25 per point
Catalogue
RBL VISA
World Safari
Should you get this?
Strong fit
Why this card
- Forex markup is listed as 0%.
- Up to 5 pts / ₹100 on Travel
- You travel frequently and will use the lounge benefits.
Trade-off
Annual fee waiver isn't clearly documented.
Annual fee ₹3,000 per year
Rewards 2 pts / ₹100
Lounge milestone ₹35,000 spend / quarter → voucher option
Forex markup 0% zero forex
Compare with AU Small Finance Bank Zenith+ →
Similar lounge profile
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
Domestic spend2 pts / ₹100——
Travel (domestic)5 pts / ₹100——
Redemption value
What a Reward Point is worth
- Catalogue₹0.25 / pt
Annual fee break-even math
When does this card pay for itself ₹6L
Conservative yearly spend needed at the ₹0.25-per-point ranking floor.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getBase earn
2 points per ₹100 (~0.5% base (conservative redemption))
Best verified lane
Travel (domestic)
5 pts / ₹100
View bonus categories →No reward on
- international transactions
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Lounge access spend gate₹35,000quarterLounge eligibilityreasonablestrong
Milestone spend₹10,000yearMilestone benefittrivialdirectional
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (2 pts / ₹100). ~1,000 pts/month. Category and partner bonuses aren't included in this estimate.
- Fee waiver conditions unclear — verify
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 2 per quarter — via Visa lounge programme · verified 6 Jul 2026 Condition: ₹35,000 spend in the calendar quarter
5 sources agree · verify issuer terms before applying
Where to verify
- PaisaBazaar
- Operator-verified anchor
- RBL official page
- CardInsider
- Stable Money
- International (cardholder)
- 1 per quarter — via · · verified 6 Jul 2026 Requires Priority Pass card · Condition: ₹35,000 spend in the calendar quarter
5 sources agree · verify issuer terms before applying
Where to verify
- PaisaBazaar
- Operator-verified anchor
- RBL official page
- CardInsider
- Stable Money
- Guest access
- Guests: paid access
Rewards
- Base earn
- 2 points per ₹100 value depends on redemption
- Effective return (honest floor)
- ~0.5% base (conservative redemption) Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹0.25 per Reward Point (Catalogue) Issuer headline channel — full channel grid in Redemption value.
Fees & charges
Fees
- Monthly interest rate
- 3.99% / month
- Annual fee
- ₹3,000
- Joining fee
- ₹3,000
International Use
- Forex markup
- 0%
Single source · verify on issuer site
Where to verify
- Operator-verified anchor
- Product tier
- Premium
Travel & perks
Fuel Benefits
At the pumpNo verified fuel benefit available.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshLatest update
- Annual fee: ₹3,000.
- Forex markup currently listed at 0%.
- 2 per quarter domestic lounge · 1 per quarter international.
Common questions
From verified card factsIs this good for lounge access?
2 domestic + 1 international lounge visits/quarter. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 0%, but international transactions earn no rewards. It suits fee avoidance abroad more than earning — a card with international earn can still return more overall despite a higher markup.
Is the annual fee easy to recover?
Value depends on usage and waiver terms. GST may apply on the annual fee.
When do welcome benefits arrive?
A welcome benefit worth ₹3,000 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- Priority Pass
Membership, visits and issuer rules - Forex markup bands
0% vs 3.5% — which cards publish what - How reward rate works
Pts / ₹100 without the marketing fog