RBL Bank World Safari Credit Card vs HDFC Moneyback Credit Card

* 0% markup fee on all foreign currency transactions and travel
* Earn Travel Points on all spends, and they’re redeemable for flights and hotel bookings
* Avail 2 Travel Points for every Rs. 100 spent on all purchases
* Avail 5 Travel Points for every Rs. 100 spent on Travel spends
* No Reward Points on International purchases
* 10,000 bonus Travel Points on spends of Rs. 2.5 lakh in a year 
* Additional 15,000 Travel Points on spends of Rs. 5 lakh in a year 
* Obtain Gift Card worth Rs. 10,000 from a host of brands like Taj experiences, Amazon, Croma, Myntra & Makemytrip on spends of Rs. 7.5 lakh in a year
* 2 complimentary lounge visits every quarter in India
* Access to 1300+ international airport lounges through complimentary Priority Pass membership. Get 2 complimentary international lounge visits using the Priority Pass. The visits are inclusive of guest visits
* Avail additional complimentary lounge visit via Priority Pass on spends of Rs. 50,000 or more in a calendar quarter
* Complimentary Travel Insurance that covers: Personal Liability coverage, Trip Delay, Baggage Loss, Loss of Passport, and Dental Treatment
* 24*7 Concierge Desk
* Access to selected golf courses across the country 
* Complimentary golf rounds 
* Free golf lessons
* Fuel Surcharge wavier across all fuel stations. This is valid for fuel transactions between Rs. 500 and Rs. 4000. Maximum waiver of Rs. 250 per month

• Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
• Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
• Get 2 Reward Points on every Rs. 150 spent 
• Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
• Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
• Zero Lost card liability
• Up to 50 days of interest free period from the date of purchase
• Enjoy Revolving Credit at nominal interest rate
• Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
• Avail facility of converting big spends into EMI after purchase
• HDFC Bank MoneyBack Credit Card is enabled for contactless payments
• Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal

Pros

* Complimentary golf rounds 
* 2 complimentary lounge visits every quarter in India and access to 1300+ international airport lounges through complimentary Priority Pass membership. Get 2 complimentary international lounge visits using the Priority Pass
* Fuel Surcharge wavier across all fuel stations

Cons

* No discounts on flights and hotels through air miles
* This card provides Travel Points instead of Air Miles that adds an unnecessary step for redemption
* No benefits on dining, shopping or entertainment

Pros

• Zero liability on the lost card if reported immediately
• With the EMV Chip technology presented in the card, stay protected against fraud
• Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons

• The Reward points are only valid for 2 years
• No complimentary Airport Lounge Access
• High-interest rate of 3.49%