3 pts / ₹100 · Up to 6 pts / ₹100 on Indigo
Strong data Pairwise comparison
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IDFC FIRST Bank IndiGo vs RBL Bank World Safari Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the IDFC FIRST Bank IndiGo and the RBL Bank World Safari. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick World Safari for spending abroad and lounge access.
Head-to-head
Three core metrics- Annual fee World Safari saves ₹1,999/yrIndiGo ₹4,999World Safari ₹3,000
- Forex markup World Safari saves ~₹1,490 per ₹1L abroadIndiGo 1.49%World Safari 0%
- Domestic lounge World Safari: +8 lounge visits/yrIndiGo No complimentary lounge accessWorld 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)
Reward earning explained
Per card2 pts / ₹100 · Up to 5 pts / ₹100 on Travel
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (IDFC FIRST Bank IndiGo: ₹4,999 vs RBL Bank World Safari: ₹3,000), forex markup (1.49% vs 0%), or lounge access (No complimentary lounge access vs 8/year (2 per quarter)).
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Travel Insufficient data Insufficient data to compare travel
Only RBL Bank World Safari has comparable evidence here. Forex markup is 0%.
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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%.
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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 2 per quarter.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: IDFC FIRST Bank IndiGo is not safely INR-comparable (no usable point value). RBL Bank World Safari conservative base value ~0.5% per ₹100.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- RBL Bank World Safari: ~₹250/month at base rate
- IDFC FIRST IndiGo: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | IndiGo IDFC FIRST Bank | World Safari RBL Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats No complimentary lounge access vs 8/year (2 per quarter) | No complimentary lounge access | 8/year (2 per quarter) |
| International lounge visits Only available for IDFC FIRST IndiGo | No international lounge access | Not specified |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 1.49% vs 0% | 1.49% | 0% |
| Fees | ||
| Recurring annual fee ₹4,999 vs ₹3,000 | ₹4,999 | ₹3,000 |
| First-year cost Only available for RBL Bank World Safari | Not specified | ₹3,000 |
| Interest-free period Only available for IDFC FIRST IndiGo | Up to 45 days | Not specified |
| Monthly interest rate Only available for RBL Bank World Safari | Not specified | 3.99% / month |
| Fuel benefit Only available for IDFC FIRST IndiGo | No surcharge waiver | Not specified |
| Rewards | ||
| Points per ₹100 3 pts / ₹100 vs 2 pts / ₹100 | 3 pts / ₹100 | 2 pts / ₹100 |
| Conservative base value Not safely INR-comparable vs ~0.5% | Not safely INR-comparable | ~0.5% |
| Earn ceiling Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI vs Not stated | Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI | Not stated |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for RBL Bank World Safari | Not specified | ₹0.25 |
| Point validity Only available for IDFC FIRST IndiGo | 2 years | Not specified |
Notes
- 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.
IDFC FIRST Bank IndiGo
Verify with issuer , opens external siteRBL Bank World Safari
Verify with issuer , opens external site