BOBCARD Scapia
BOBCARD (Bank of Baroda) · Open to apply
A lifetime-free travel card from the Scapia app with a 0% forex markup: 10% in coins on most spends on the Visa card (5% on the RuPay card, including UPI), 20% on travel booked in the Scapia app, unlimited domestic lounge visits with ₹20,000 spent in a month.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- RuPay variant, 5 rewards per ₹100 on spends of more than ₹500: 5 Scapia Coins per ₹100 (about 1% at cash value)
- Lounges
- Domestic: unlimited visits per statement after ₹20,000 spend
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 20 rewards per ₹100 on travel booked in the Scapia app: 20 Scapia Coins per ₹100 (about 4% at cash value)
- Visa variant, 10 rewards per ₹100 on purchases of ₹20 or more: 10 Scapia Coins per ₹100 (about 2% at cash value)
Earns nothing on
- No rewards on fuel (MCCs 5172, 5541, 5542, 5983)
- No rewards on rent (MCC 6513)
- No rewards on wallet loads (MCC 6540)
- No rewards on education and school fees (MCCs 8211, 8220, 8241, 8244, 8249, 8299)
- No rewards on government services (MCCs 9099 to 9999)
- No rewards on business services (MCCs 7399, 7311, 7372, 7538, 7392)
- No rewards on utilities and telecom (MCCs 4900, 4814, 4816)
- No rewards on insurance (MCC 6300)
- No rewards on money transfers, cash withdrawals, crypto and financial institutions (MCCs 6051, 6012, 6011)
- No rewards on EMI transactions
Terms the calculator does not value
- The page's list of categories that earn nothing also names professional services and real estate; the MITC gives no MCCs for them, so they are not entered.
- Coin value (5 coins = ₹1) is Scapia's figure for its Federal card; BOBCARD's own documents give none, and every coin-based rate scales with it.
- The MITC's exclusion list also names 'forex transaction' and credit card repayments; whether international spends earn rewards on this card is not clear, so international spends earn the normal rate here.
- Travel Now Pay Later no-cost EMIs are listed as 'coming soon' on the page.
Sources
- BOBCARD Scapia product page (Product page, the bank's own, read 6 Nov 2026)
- BOBCARD Consolidated MITC, version GENERIC MITC 2.0 JULY2026 (PDF created 7 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- BOBCARD Key Fact Statement (PDF created 17 Jul 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- BOBCARD notice, Revision in Product Features and Charges w.e.f. 1st April 2026 (PDF created 2 Mar 2026) (Bank notice, the bank's own, read 6 Nov 2026)
- Scapia blog: The Scapia Federal Credit Card, everything you need to know (2026-05-26), for the coin value (Partner's page, the bank's own, read 6 Nov 2026)