Which card has a lower forex fee: Swiggy HDFC Bank Credit Card or RBL Bank World Safari Credit Card?

RBL Bank World Safari Credit Card has lower forex markup (0% vs 3.5%).

Which card has a lower annual fee: Swiggy HDFC Bank Credit Card or RBL Bank World Safari Credit Card?

RBL Bank World Safari Credit Card has a lower annual fee (₹0 vs ₹500).

Which card offers better lounge access?

Swiggy HDFC Bank Credit Card: No domestic lounge. RBL Bank World Safari Credit Card: 4/year domestic lounge.

Which card has a higher base reward rate?

Swiggy HDFC Bank Credit Card has higher base reward value (~1% vs ~0.5%).

Pairwise comparison Add another card →

HDFC Bank Swiggy vs RBL Bank World Safari Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Swiggy and the RBL Bank World Safari. Verify fees, lounge access, forex markup, and base rewards before you apply.

Forex RBL Bank World Safari Lounge RBL Bank World Safari Low fee RBL Bank World Safari

Quick comparison

Three core metrics

Swiggy HDFC Bank

Annual fee ₹500 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

World Safari RBL Bank

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge 4/year

Reward earning explained

Per card

Swiggy

1% on General spend

Limited data

World Safari

2 pts / ₹100 on General spend

Limited data

Pick based on what matters

6 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Swiggy: ₹500 vs RBL Bank World Safari: ₹0), forex markup (3.5% vs 0%), or lounge access (No lounge access vs 4/year).

Travel Insufficient data

Insufficient data to compare travel

Only RBL Bank World Safari has comparable evidence here. Forex markup is 0%.

Swiggy: Limited data World Safari: Limited data
Forex markup RBL Bank World Safari wins

RBL Bank World Safari is better for forex

RBL Bank World Safari is stronger here. Forex markup is 0%.

Swiggy: Limited data World Safari: Limited data
Lounge access RBL Bank World Safari wins

RBL Bank World Safari is better for lounge access

RBL Bank World Safari is stronger here. Domestic lounge access is 4/year.

Swiggy: Limited data World Safari: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only HDFC Bank Swiggy has comparable evidence here. Estimated base reward value is ~1% on base spend.

Swiggy: Limited data World Safari: Limited data
Annual fee RBL Bank World Safari wins

RBL Bank World Safari is better for fees

RBL Bank World Safari is stronger here. Annual fee is ₹0.

Swiggy: Limited data World Safari: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Swiggy HDFC Bank: ~₹500/month at base rate
RBL Bank World Safari: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Field	Swiggy HDFC Bank	World Safari RBL Bank
Lounge Access
Domestic lounge visits No lounge access vs 4/year	No lounge access	4/year
Forex / International Use
Forex markup 3.5% vs 0%	3.5%	0%
Fees
Annual fee ₹500 vs ₹0	₹500	₹0
Joining fee ₹500 vs ₹0	₹500	₹0
Fee waiver spend Only available for Swiggy HDFC Bank	₹2,00,000	Not specified
Rewards
Points per ₹100 1 pts vs 2 pts	1 pts	2 pts
Point cash value ₹1 vs ₹0.25	₹1	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.