BOBCARD Scapia Credit Card
A lifetime-free travel card from BOBCARD and Scapia, applied for in the Scapia app: 10% back in Scapia coins on the Visa card (5 coins = ₹1, for travel booked on Scapia), 5% on the RuPay card including UPI, 20% on travel booked in the Scapia app, unlimited domestic lounge visits on ₹20,000 of monthly spend, and no forex markup. Every figure below is copied from BOBCARD’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | Nil MITC |
|---|---|
| Annual fee | Nil MITC |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) MITC |
| Lifetime free. | |
Rewards
Reward points, ₹0.20 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| RuPay card on UPI: 5% back in Scapia coins on spends above ₹500 | 5% in reward points MITC | no cap on record |
| Visa card: 10% back in Scapia coins on purchases of ₹20 and above | 10% in reward points MITC | no cap on record |
Paid as Scapia coins (1 reward = 1 coin, converted on the statement date; 5 coins = ₹1), usable only to book travel on the Scapia app; coins are valid for 36 months.
Rewards are converted to Scapia coins on the statement date. From 25 September 2026 telecom merchants on MCC 4812 earn rewards; other utility bills still do not.
No rewards on
- Fuel, rent, wallet loads, education, insurance, utility bills, forex transactions, EMI, gift cards and money transfers Terms
- Government services Product page
Benefits
- Lounges: Unlimited domestic airport lounge visits, with airport privileges up to ₹1,000 — ₹20,000 of spend in a billing cycle Product page
- Fuel: 1% fuel surcharge waived on fills up to ₹5,000, up to ₹500 a month MITC
Also on this card
Quoted from BOBCARD; not counted in the net value.
- 20% back in Scapia coins on travel booked in the Scapia app (worth 4%) Product page
- No forex markup on international spends (which earn no coins) Product page
- Airport privileges up to ₹2,000 at international terminals on Scapia international bookings above ₹50,000 Product page
Eligibility
- Indian resident Product page
- Age 21 or above Product page
- Age 60 or below Product page
- Salaried or self-employed Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Where BOBCARD’s documents differ, and what is used
- Fuel surcharge waiver cap: BOBCARD's Scapia key fact sheet gives ₹500 a month; the consolidated MITC gives ₹500 a statement. The amount is the same.
The quotes behind the figures
23 figures, each copied from an official BOBCARD document.
Show every quote and source
“3 Joining Fees Nil”
“4 Annual Membership Fees/Cancellation Fee Nil”
“Uni GoldX, Scapia, Etihad Guest Premium: 0% of transaction amount”
“For redemption against Flights & Hotel/Stay, Bus Bookings and any other services on Scapia App 5 Scapia Coin = Rs. 1”
“Also, currently, on your BOBCARD Scapia Rupay Credit Card, you will earn 5% rewards on eligible spends of more than Rs. 500.”
“Rewards earned on card transactions will be converted to Scapia coins on the statement date with the conversion ratio 1 Reward = 1 Scapia Coin.”
“Currently, on your BOBCARD Scapia Visa Credit Card, you will earn 10% rewards on every purchase of Rs. 20 and above, on all eligible categories.”
“b. Rewards will not accrue for money transfers, rent payments, cash withdrawals, EMI transactions, forex transaction, education and school fees, gift cards, credit card repayments, crypto/digital asset transactions, utility, insurance, fuel, fuel surcharge, rent and digital wallet loading or top-up transactions.”
“*Categories which are not eligible for rewards are wallet load, education services, fuel, government services, professional services, real estate, rentals, business services, insurance and utilities.”
“Download the Scapia app and get approved in minutes. Complete your KYC & receive your card within a week”
“ZERO Joining Fee. ZERO Annual Fees.”
“Foreign Currency Mark-up 0% (Nil)”
“Scapia Coins have 36 months validity, except in circumstances detailed below:”
“Effective 25th September 2026, transactions classified under MCC 4812 will be eligible for rewards.”
“Scapia: 1% surcharge waiver, valid for transactions upto Rs. 5,000 only (subject to maximum of Rs. 500 per statement)”
“Unlock the VIP life by spending just Rs. 20,000 a month and enjoy unlimited domestic lounge access with airport privileges up to Rs. 1000”
“17 Fuel Transaction Surcharge 1% surcharge waiver for transactions up to Rs.5000 (max waiver Rs.500 per month)**”
“20% rewards* on all your travel bookings via the Scapia app. Book flights, stays, visas, trains, buses, and more!”
“Zero forex markup on all international spends.”
“**International Airport privileges up to Rs. 2000 is valid at international terminal for international bookings more than Rs. 50,000 made on Scapia app.”
“1. Indian resident 2. Age: Minimum 21 years and Maximum 60 years* 3. Salaried or Self-Employed”
“How can I apply for the BOBCARD Scapia Co-branded Credit Card? You can apply through the Scapia app”
“On all offline and online spends on select categories on Visa card of minimum Rs. 20 and 5% rewards on all offline, online and UPI spends on the Rupay card of minimum Rs. 500.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with BOBCARD or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is BOBCARD’s own file from its website, unaltered, fetched 2026-10-16. Methodology