RBL Bank World Safari Credit Card vs Scapia Federal Bank Credit Card
How RBL Bank World Safari Credit Card and Scapia Federal Bank Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Scapia Federal Bank Credit Card is lifetime-free, while RBL Bank World Safari Credit Card carries a fee (₹3,000 + GST joining and annual/renewal fee (no spend-based waiver)). If you won't reliably hit RBL Bank World Safari Credit Card's waiver spend, Scapia Federal Bank Credit Card is the cheaper card to keep.
RBL Bank World Safari Credit Card — better for frequent international travellers who want zero forex markup plus priority pass lounge access and travel-category accelerated rewards.
Scapia Federal Bank Credit Card — better for travellers who want zero forex markup and lounge access at no annual fee.
Side by side
| RBL Bank World Safari Credit CardRBL Bank | Scapia Federal Bank Credit CardFederal Bank | |
|---|---|---|
| Annual fee | ₹3,000 + GST joining and annual/renewal fee (no spend-based waiver) | Nil — lifetime-free |
| Reward rate | 5 RP/₹100 on travel; 2 RP/₹100 on other domestic retail; no points on international spends; 1 RP = ₹0.25. Milestone bonuses: 10,000 RP at ₹2.5L, 15,000 RP at ₹5L, ₹10,000 voucher at ₹7.5L annual spend. | 20% coins on in-app travel, 10% other (5 coins = ₹1); 0% forex |
| Lifetime-free | No | Yes |
| Network | Mastercard | Visa |
| Eligibility | approx 21+ years; salaried or self-employed with stable income (specific income figure not published by issuer) | 21–65 yrs (salaried) / 25–65 (self-employed); resident Indian |
| Best for | Frequent international travellers who want zero forex markup plus Priority Pass lounge access and travel-category accelerated rewards. | Travellers who want zero forex markup and lounge access at no annual fee. |
RBL Bank World Safari Credit Card
- 0% forex markup on all international transactions
- 5 Travel Points/₹100 on travel spends; 2 RP/₹100 on other domestic retail (1 RP = ₹0.25)
- 2 international lounge visits/yr via Priority Pass + 2 domestic lounge visits/quarter on ₹35,000 prior-quarter spend
Scapia Federal Bank Credit Card
- Lifetime-free — ₹0 joining and ₹0 annual fee (Federal Bank Key Fact Sheet)
- Zero foreign-exchange markup on international spends
- 20% Scapia Coins on in-app travel, 10% on other spends (5 coins = ₹1); domestic lounge access
RBL Bank World Safari Credit Card vs Scapia Federal Bank Credit Card — FAQs
Neither is universally better. RBL Bank World Safari Credit Card suits frequent international travellers who want zero forex markup plus priority pass lounge access and travel-category accelerated rewards. Scapia Federal Bank Credit Card suits travellers who want zero forex markup and lounge access at no annual fee. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Scapia Federal Bank Credit Card is lifetime-free, while RBL Bank World Safari Credit Card carries a fee (₹3,000 + GST joining and annual/renewal fee (no spend-based waiver)). If you won't reliably hit RBL Bank World Safari Credit Card's waiver spend, Scapia Federal Bank Credit Card is the cheaper card to keep. On rewards, RBL Bank World Safari Credit Card gives 0% forex markup on all foreign currency spends (saves ~3.5% + gst vs typical cards) whereas Scapia Federal Bank Credit Card gives zero forex markup plus 10–20% scapia coins on spends — and it's lifetime-free.
Scapia Federal Bank Credit Card is lifetime-free (no fee, ever), while RBL Bank World Safari Credit Card charges ₹3,000 + GST joining and annual/renewal fee (no spend-based waiver) (waivable on spend).
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.