BOBCARD Scapia Credit Card
Updated 3 Jul 2026Source-linked
The BOBCARD Scapia Credit Card is a mid co-branded credit card from Bank of Baroda and Scapia, with a joining fee of ₹0 + GST.
It earns up to 20 pts per ₹100 (≈20.0% value) on Scapia spends in the form of scapia coins (points).
Cardholders get unlimited monthly domestic airport lounge access.
BOBCARD Scapia Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForTravel
- Reward TypeScapia Coins (points)
Rewards Rate
- 10 pts per ₹100 on select categories
- 20 pts per ₹100 on scapia app travel
- Base 5.00% on other spends
Welcome Benefits
- Not applicable
Rewards and Benefits
Rewards Rate
10 pts per ₹100 on select categories
20 pts per ₹100 on scapia app travel
Base 5.00% on other spends.
Reward Redemption
Scapia Coins: 1 Scapia Coin = ₹1; redeemable for travel on the Scapia app, up to 100% of a booking.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
Unlimited visits each monthly on making spends of ₹20,000 in the previous monthly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.00%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- Co-branded mid card by Bank of Baroda and Scapia.
- Lifetime free — no joining or annual fee.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (unlimited/monthly).
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
- Strong base reward rate of 5.00%.
- Low forex markup of 0.00% — suited to international spends.
- Complimentary domestic airport lounge access (unlimited/monthly).
- Accelerated earn worth ≈20.0% on scapia app travel.
Cons
- No rewards on fuel spends.
Accelerated rewards
- 10 pts per ₹100 on select categories10% Scapia Coins on select categories (Visa variant, min ₹20 per txn).
- 20 pts per ₹100 on scapia app travel20% Scapia Coins on travel bookings (flights, stays, visas, trains, buses) via the Scapia app.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
Unlimited visit(s) / monthly. Via visa, dreamfolks.
Unlocks after ₹20,000 / monthly spend.
Unlimited domestic lounge access on ₹20,000 prior-month spend; airport privileges up to ₹1,000.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Sources
- : www.bobcard.co.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 25–60
- Credit score
- 720+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.