Which card has a lower forex fee: IDFC FIRST Select Credit Card or RBL Bank World Safari Credit Card?

RBL Bank World Safari Credit Card has lower forex markup (0% vs 1.99%).

Which card has a lower annual fee: IDFC FIRST Select Credit Card or RBL Bank World Safari Credit Card?

Both cards have the same annual fee (₹0).

Which card offers better lounge access?

IDFC FIRST Select Credit Card: 16/year domestic lounge. RBL Bank World Safari Credit Card: 4/year domestic lounge.

Which card has a higher base reward rate?

Both cards have similar base reward value (~0.5%).

Pairwise comparison Add another card →

IDFC FIRST Bank Select vs RBL Bank World Safari Credit Cards – Fees, Lounge, Forex

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

Travel RBL Bank World Safari Forex RBL Bank World Safari Lounge IDFC FIRST Bank Select

Quick comparison

Three core metrics

Select IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 1.99%
Domestic lounge 16/year

World Safari RBL Bank

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

Reward earning explained

Per card

Select

3 pts / ₹150 on General spend

World Safari

2 pts / ₹100 on General spend

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (IDFC FIRST Bank Select: ₹0 vs RBL Bank World Safari: ₹0), forex markup (1.99% vs 0%), or lounge access (16/year vs 4/year).

Travel RBL Bank World Safari wins

RBL Bank World Safari is better for travel

RBL Bank World Safari is stronger here. RBL Bank World Safari is cheaper for international spend (0% vs 1.99% forex).

Select: 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%.

Select: Limited data World Safari: Limited data
Lounge access IDFC FIRST Bank Select wins

IDFC FIRST Bank Select is better for lounge access

IDFC FIRST Bank Select is stronger here. Domestic lounge access is 16/year.

Select: Limited data World Safari: Limited data
Annual fee Tie

Both cards are similar for fees

Annual fee is ₹0.

Select: 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:

IDFC FIRST Select: ~₹250/month at base rate
RBL Bank World Safari: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Field	Select IDFC FIRST Bank	World Safari RBL Bank
Lounge Access
Domestic lounge visits 16/year vs 4/year	16/year	4/year
Forex / International Use
Forex markup Source agreement differs — verify both. 1.99% vs 0%	1.99%	0%
Fees
Annual fee	₹0	₹0
Joining fee	₹0	₹0
Rewards
Reward points (base spend) 3 pts/₹150 vs 2 pts/₹100	3 pts/₹150	2 pts/₹100
Point cash value	₹0.25	₹0.25

Notes

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