Niyo Global Card vs RBL World Safari
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
RBL World Safari Credit Card wins 6 of 8 dimensions with a CardTrail Score of 7.9/10 vs 5.2/10.
| Feature | Niyo Global Card | RBL World Safari |
|---|---|---|
| CardTrail Score | 5.2/10 | 7.9/10 |
| Annual Fee | Free | ₹3,000 |
| Base Reward Rate | 0% | 0.5% |
| Max Reward Rate | 0% | 1.25% |
| Forex Markup | Zero | Zero |
| Domestic Lounges | 0 | 2 |
| International Lounges | 0 | 2 |
| Fuel Surcharge Waiver | No | Yes |
| Network | Visa | Mastercard World |
When to Choose Niyo Global Card
- You want a lifetime free card with zero annual cost
- Your primary spend is: forex, travel, students
When to Choose RBL World Safari
- You want higher rewards — up to 1.25% vs 0%
- Airport lounge access matters — 2 domestic visits
- Your primary spend is: travel, forex, lounge
Annual Fee Value Analysis
To break even on RBL World Safari's ₹3,000 fee at 0.5% rewards, spend ₹50,000/month.
Niyo Global Card is lifetime free — no break-even needed.