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Side-by-side · honest numbers

RBL World Safari vs SBI Card ELITE

Honest side-by-side comparison of RBL World Safari, SBI Card ELITE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

RBL World Safari

RBL Bank

SBI Card ELITE

SBI Card

Your adjusted comparison

Feature
RBL World Safari credit card

RBL World Safari

RBL Bank

SBI Card ELITE credit card

SBI Card ELITE

SBI Card

Fees & eligibility
Annual fee₹3,000₹4,999
Fee waiver thresholdNo waiver published₹10,00,000/yr
Min income₹50,000/mo₹60,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹2,052/yr-₹3,818/yr
Groceries (offline)—₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery—₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Travel₹3,000 → 80 pts/mo × ₹0.30/pt = ₹24/mo (₹288/yr)—
Top reward rate4X points5X reward points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Rent · WalletFuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus₹3,000₹5,000

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

RBL World Safari details →SBI Card ELITE details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, RBL World Safari leads SBI Card ELITE by about ₹1,766/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

RBL World Safari vs SBI Card ELITE comparison table
FeatureRBL World Safari

RBL Bank

SBI Card ELITE

SBI Card

Fees & eligibility
Annual fee₹3,000₹4,999
Fee waiver thresholdNo waiver published₹10,00,000/yr
Min income₹50,000/mo₹60,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹2,052/yr-₹3,818/yr
Groceries (offline)—₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery—₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Travel₹3,000 → 80 pts/mo × ₹0.30/pt = ₹24/mo (₹288/yr)—
Top reward rate4X points5X reward points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Rent · WalletFuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus₹3,000₹5,000

Frequently asked questions

Which card has the lower annual fee?
RBL World Safari has the lowest annual fee at ₹3,000.
Which card earns more on moderate spend?
RBL World Safari leads with an estimated -₹2,052/yr net annual value on moderate spend.
Which card has the lower income requirement?
RBL World Safari lists a minimum monthly income of ₹50,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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