2 pts / ₹100 · Up to 5 pts / ₹100 on Travel
Strong data Pairwise comparison
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RBL Bank World Safari vs SBI Card Miles Elite Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the RBL Bank World Safari and the SBI Card Miles Elite. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick World Safari for travel and spending abroad.
Head-to-head
Three core metrics- Annual fee World Safari saves ₹1,999/yrWorld Safari ₹3,000Miles Elite ₹4,999 Waivable at ₹15,00,000 spend
- Forex markup World Safari saves ~₹1,990 per ₹1L abroadWorld Safari 0%Miles Elite 1.99%
- Domestic lounge 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)Miles Elite 8/year
Reward earning explained
Per card2 Travel Credits / ₹200 · Up to 6 Travel Credits / ₹200 on Travel
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (RBL Bank World Safari: ₹3,000 vs SBI Card Miles Elite: ₹4,999), forex markup (0% vs 1.99%), or lounge access (8/year (2 per quarter) vs 8/year).
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Travel RBL Bank World Safari wins RBL Bank World Safari is better for travel
RBL Bank World Safari is stronger 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 Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter. Domestic lounge access is 8 per year.
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Rewards Tie Both cards are similar for rewards
RBL Bank World Safari conservative base value ~0.5% vs SBI Card Miles Elite's ~0.3%. SBI Card Miles Elite conservative base value ~0.3% vs RBL Bank World Safari's ~0.5%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- RBL Bank World Safari: ~₹250/month at base rate
- SBI Miles Elite: ~₹130/month at base rate
Illustrative only, using current base rates before caps.
| Field | World Safari RBL Bank | Miles Elite SBI Card |
|---|---|---|
| Insurance — Air accident cover Only available for SBI Miles Elite | Not specified | ₹1 crore |
| Insurance — Lost card liability cover Only available for SBI Miles Elite | Not specified | ₹1 lakh |
| Insurance — Underwriter Only available for SBI Miles Elite | Not specified | Insured by ICICI Lombard General Insurance Company Limited |
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 8/year (2 per quarter) vs 8/year | 8/year (2 per quarter) | 8/year |
| International lounge visits Only available for SBI Miles Elite | Not specified | 6 per year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 0% vs 1.99% | 0% | 1.99% |
| Fees | ||
| Recurring annual fee ₹3,000 vs ₹4,999 | ₹3,000 | ₹4,999 |
| First-year cost Only available for RBL Bank World Safari | ₹3,000 | Not specified |
| Annual-fee waiver Only available for SBI Miles Elite | Not specified | ₹15,00,000 |
| Interest-free period Only available for SBI Miles Elite | Not specified | Up to 50 days |
| Monthly interest rate 3.99% / month vs 3.75% / month | 3.99% / month | 3.75% / month |
| Fuel benefit Only available for SBI Miles Elite | Not specified | 1% surcharge waiver · ₹500–₹3,000 transactions · ₹500/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn 2 pts / ₹100 vs 2 Travel Credits / ₹200 | 2 pts / ₹100 | 2 Travel Credits / ₹200 |
| Conservative base value ~0.5% vs ~0.3% | ~0.5% | ~0.3% |
| Earn ceiling Not stated vs Calendar-month cap: 15,000 Travel Credits shared across General spend & Travel | Not stated | Calendar-month cap: 15,000 Travel Credits shared across General spend & Travel |
| 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 SBI Miles Elite | Not specified | 2 years |
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.
RBL Bank World Safari
Verify with issuer , opens external siteSBI Card Miles Elite
Verify with issuer , opens external site