BOB

BOBCARD Scapia Credit Card

Good for Scapia app travel and zero-forex spending.

BOBCARD

Scapia

Should you get this?

Strong fit

Confirm terms with the issuer

Why this card

Unlimited lounge access is a clear travel strength.
Forex markup is listed as 0%.
You use airport lounges often.

Issuer evidence · 4 sources →

Trade-off

Domestic: Unlimited · requires ₹20,000 spend in a billing cycle (unlocks after the billing date). Verify current lounge eligibility before travel.

Annual fee ₹0 no annual fee currently listed

Lounge access ∞ unlimited domestic · ₹20,000 spend in a billing cycle

Forex markup 0% zero forex

Compare with Axis Bank Scapia →

Similar lounge profile

Rewards

Earning rules

Detail · from the summary above

Travel booked in Scapia app20 Scapia Coins / ₹100Credited as reward points · app onlyNot stated

Eligible Visa purchases10 Scapia Coins / ₹100Credited as reward points · Min ₹20 per transaction · additional conditions apply — not fully modelledNot stated

Eligible RuPay purchases5 Scapia Coins / ₹100Credited as reward points · More than ₹500 per transaction · additional conditions apply — not fully modelledNot stated

Redemption value

What a Scapia Coin is worth

Travel₹0.2 / pt

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Verified value

₹0.2 per point

Travel

No reward on

Rent
Education
Government payments
EMI
+10 more

See earning rules →

Costs & fees

Eligibility

Applicant class · age · income

Minimum age: 21 years or older

Reported criteria · as stated by sources

All applicants

Maximum age: 60 years or younger

Issuer-stated · not yet decision-readyIssuer source

Evidence only · excluded from decisions

Spending requirements

Spend gates · caps · milestone thresholds

Domestic lounge spend gate₹20,000monthLounge eligibility

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Base earn unclear — verify on issuer site

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): Unlimited — via BOBCARD lounge programme Condition: ₹20,000 spend in a billing cycle (unlocks after the billing date)
International (cardholder): No international lounge entitlement documented by the issuer Absence of an international claim is not proof of exclusion. Confirm with the issuer or network programme.

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹0
Joining fee: ₹0
Interest-free period: Up to 50 days
Late-payment charge: ₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.

International Use

Forex markup: 0%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

PaisaBazaar
Issuer site (verify current terms)

Travel & perks

Fuel Benefits

At the pump

1% fuel surcharge waived on transactions up to ₹5,000.
Maximum waiver ₹500 per month.
Fuel transactions do not earn reward points.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits

IDFC FIRST Bank Millennia

SIDE BY SIDE

BOBCARD Scapia

HDFC Bank Tata Neu Infinity RuPay

The fine print

Caps · exclusions · earning · redemption · last refresh

Exclusions: 14

These spends do not earn reward points.

Payments

Rent
Education
Government payments

Financial

EMI
Insurance premiums
Fuel
Wallet loads

Utilities

Utilities

Other

Cash withdrawals
Forex transaction
Gift cards
Credit card repayments
Crypto/digital asset
Money transfers, professional services, real estate or business services

Latest update

Annual fee: ₹0.
Forex markup currently listed at 0%.
Unlimited domestic lounge · ₹20,000 spend in a billing cycle.

Common questions

From verified card facts

Is this good for lounge access?

Unlimited domestic lounge access. Domestic access requires ₹20,000 spend in a billing cycle (unlocks after the billing date). Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 0%, which can be useful for international spends if the annual fee and usage pattern still make sense.

Is the annual fee easy to recover?

No joining, annual, or renewal fee currently listed by the issuer. GST still applies where applicable. Fee tables can change — verify before applying.

What is the annual fee for BOBCARD Scapia Credit Card?

No joining or annual fee currently listed.

Learn

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