All cards / Bank of Baroda
BOBCARD Scapia Credit Card
The BOBCARD-issued version of Scapia's lifetime-free travel card, run from the Scapia app. Spends earn Scapia Coins worth about 2% (4% on Scapia travel bookings) that can only be used for travel on Scapia. It adds zero forex markup and unlimited domestic lounge access once you spend ₹20,000 a month.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 2% base rate
- Reward redemption: Scapia Coins redeem on the Scapia app against flights, stays, buses and trains at 5 coins = ₹1; coins valid 36 months
- Travel: 20% back in Scapia Coins on travel booked in the Scapia app (worth about 4%)
- Domestic lounge access: Unlimited domestic lounge access and airport privileges up to ₹1,000 per visit after spending ₹20,000 in a billing cycle
- International lounge access: Airport privileges up to ₹2,000 at international terminals for international bookings above ₹50,000 made on Scapia
Benefits by category
- ✈️ Travel
4% reward rate · Unlimited domestic lounge visits after ₹20,000 of spending in a billing cycle
- ⛽ Fuel
1% fuel surcharge waiver up to ₹500 a month
- 🌍 Forex / international spend
0% forex markup · 0% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Rewards redemption fee: No fee to use Scapia Coins
- Foreign currency markup: 0%
- Interest rate: 3.75% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions up to ₹5,000, max ₹500 per month
- Cash advance charges: 2.5% of amount withdrawn or ₹500, whichever is higher; cash limit up to 10% of card limit
Benefits
- 10% back in Scapia Coins (about 2% value) on eligible online and offline spends of ₹20+ on the Visa card; 5% (about 1%) on spends of ₹500+, including UPI, on the RuPay card
- 20% back in Scapia Coins on flights, stays, trains and buses booked via the Scapia app
- Unlimited domestic lounge visits after ₹20,000 of spending in a billing cycle
- 0% forex markup
- 1% fuel surcharge waiver up to ₹500 a month
Pros
- + No joining or annual fee, and 0% forex markup
- + About 2% back in travel coins on everyday spends, about 4% on Scapia bookings
- + Unlimited domestic lounge access with a ₹20,000 monthly spend
Cons
- − Coins can only be used for travel booked on Scapia (5 coins = ₹1)
- − No rewards on wallet loads, education, fuel, government, rent, insurance or utilities
- − 3.75% monthly interest; add-on cards not offered