2 pts / ₹100 · Up to 4 pts / ₹100 on international spend
Strong data Pairwise comparison
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ICICI Sapphiro Mastercard vs RBL World Safari
Side-by-side comparison of the ICICI Bank Sapphiro Mastercard and the RBL Bank World Safari. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
Pick World Safari for spending abroad.
World Safari costs ₹500 less a year.
Head-to-head
- Annual fee Annual fee outcome: tie. ₹500/yr apart · waiver gates differSapphiro Mastercard ₹3,500 Waivable at ₹6,00,000 spendWorld Safari ₹3,000
- Forex markup Forex markup outcome: World Safari wins. World Safari saves ~₹3,500 per ₹1L abroadSapphiro Mastercard 3.5%World Safari 0%
- Domestic lounge Domestic lounge outcome: tie. Sapphiro Mastercard 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)World Safari 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹35,000 spend in the previous calendar quarter (unlocks the following quarter) · International: 1/quarter · requires ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)
- Rewards Rewards outcome: tie. conservative base valueSapphiro Mastercard ~0.5%World Safari ~0.5%
Reward earning explained
2 pts / ₹100 on domestic spend · Up to 5 pts / ₹100 on Travel
Strong dataExample usage at this monthly spend
At ₹50k/month spend:
- Sapphiro: ~₹250/month at base rate
- RBL Bank World Safari: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
All fields
| Field | Sapphiro Mastercard ICICI Bank | World Safari RBL Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 8/year (2 per quarter) | 8/year (2 per quarter) |
| International lounge visits Only available for Sapphiro | 2 per year | Not specified |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 0% | 3.5% | 0% |
| Fees | ||
| Recurring annual fee ₹3,500 vs ₹3,000 | ₹3,500 | ₹3,000 |
| First-year cost Only available for RBL Bank World Safari | Not specified | ₹3,000 |
| Annual-fee waiver Only available for Sapphiro | ₹6,00,000 | Not specified |
| Interest-free period Only available for Sapphiro | Up to 48 days | Not specified |
| Monthly interest rate 3.75% / month vs 3.99% / month | 3.75% / month | 3.99% / month |
| Late-payment charge Only available for Sapphiro | ₹100–₹1,300 depending on outstanding balance | Not specified |
| Fuel benefit Only available for Sapphiro | 1% surcharge waiver · up to ₹4,000 transactions · Fuel rewards excluded | Not specified |
| Rewards | ||
| Points per ₹100 2 pts / ₹100 vs 2 pts / ₹100 on domestic spend | 2 pts / ₹100 | 2 pts / ₹100 on domestic spend |
| Conservative base value | ~0.5% | ~0.5% |
| Earn ceiling Eligible spend capped at ₹80,000 per statement cycle vs Not stated | Eligible spend capped at ₹80,000 per statement cycle | Not stated |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. | ₹0.25 | ₹0.25 |
| Point validity Only available for Sapphiro | 3 years | Not specified |
| Insurance — Air accident cover Only available for Sapphiro | ₹3 crore · Requires at least one card use during the preceding 60 days | Not specified |
| Insurance — Lost card liability cover Only available for Sapphiro | ₹50,000 | Not specified |
| Insurance — Underwriter Only available for Sapphiro | Insured by ICICI Lombard General Insurance Company Limited | Not specified |
Notes
- ICICI Sapphiro Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- RBL Bank World Safari Credit Card: Condition: ₹35,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
ICICI Bank Sapphiro Mastercard
Verify with issuer , opens external siteRBL Bank World Safari
Verify with issuer , opens external site