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Scapia (BOBCARD)

Keep

The Federal Scapia's twin on a second bank — same 0% forex, same coins-that-aren't-money, double the approval odds.

BOBCARD (Bank of Baroda)·Visa·entry
Visa RuPay — A complimentary RuPay twin ships alongside the Visa card for UPI — UPI spends earn 5% coins, half the card rate
2.0%
Effective reward rate
₹0 + GST
Annual fee
None
Fee waiver
₹0.20
Scapia Coins value →

What it's worth to you — net annual value

₹24,000
at ₹1L/month
₹72,000
at ₹3L/month
₹1,20,000
at ₹5L/month

Welcome: None — lifetime free with no joining bonus; the 0% forex is the pitch

How these numbers are computed →

Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →

The take

Scapia now issues through two banks, and the BOBCARD version is the Federal card wearing a different logo: lifetime free, 0% forex markup in 150+ countries, unlimited domestic lounge access once you push ₹20,000 through it the previous month, and 10% Scapia Coins on spends (20% on bookings inside the Scapia app). The reason it exists is approval odds — the Scapia app auto-routes your application to Federal or Bank of Baroda by profile and pincode, so a rejection at one bank no longer ends the story. Read the coins the same way you read them on the Federal card: 5 coins = ₹1, spendable ONLY on flights, hotels, trains and buses inside Scapia's own app, no cashback, no transfers, a 36-month fuse and zero coins abroad. And because BOB opened this to the public after February 2026, it ships with the post-nerf terms baked in — the ₹20k lounge gate, not the old ₹10k. A first-rate free forex-and-lounge tool; a gift card, not a rewards program.

What's good

  • Lifetime free + 0% forex markup — a second issuer for India's cheapest border-crossing card
  • Unlimited domestic lounge visits at ₹20k prior-month spend
  • Auto-routed application (Federal or BOB) roughly doubles approval odds
  • 10% coins everywhere, 20% on app bookings — 2% / 4% in real money

Watch out

  • Coins spend ONLY on Scapia-app travel — no cashback, no transfers, total app dependency
  • Ships with the post-Feb-2026 terms: ₹20k/month lounge gate, no coins on insurance/utility
  • Zero coins on international spends — abroad it's purely a 0%-forex card
  • 36-month coin expiry; the coins never appreciate (fixed 5 = ₹1)

What earns, what doesn't

Identical coin economics and exclusions to the Federal Scapia (same Scapia program). Coins are travel-app-only money — see currencies.yaml. Ships with the post-Feb-2026 terms (utility/insurance MCCs zeroed).

Fuel excluded — Zero coins; 1% surcharge waiver on small txns; 1% fee past ₹50k/month fuel spend
Rent & property management excluded — Zero coins AND a 1% + GST convenience fee per rent txn
Government / tax excluded — Government services on the Scapia no-coins list
Utilities (electricity/water/gas) excluded — Utility MCCs zeroed w.e.f. 27-Feb-2026 (Scapia devaluation notice); 1% fee past ₹50k/month
Insurance excluded — MCC 6300 zeroed w.e.f. 27-Feb-2026 (Scapia devaluation notice)
Education excluded — Education on the Scapia no-coins list
Wallet loads excluded — Zero coins + 1% + GST fee per wallet-load txn
Groceries & supermarkets full — 10% coins ≈ 2% effective — not excluded
Telecom excluded — Telecom MCC 4814 sits in the Scapia utility exclusion list — earns nothing
Jewellery / gold full — Not on the exclusion list — inferred from absence, flag
Forex / international spends excluded — Official: no coins on international spends — the 0% forex markup IS the reward
UPI (RuPay-on-UPI only) reduced — RuPay variant earns 5% coins (≈1%) on UPI — half the Visa rate
EMI conversions / merchant EMI excluded — EMI transactions on the Scapia no-coins list
  • Fuel · excluded Zero coins; 1% surcharge waiver on small txns; 1% fee past ₹50k/month fuel spend
  • Rent & property management · excluded Zero coins AND a 1% + GST convenience fee per rent txn
  • Wallet loads · excluded Zero coins + 1% + GST fee per wallet-load txn
  • Utilities (electricity/water/gas) · excluded Utility MCCs zeroed w.e.f. 27-Feb-2026 (Scapia devaluation notice); 1% fee past ₹50k/month

per BOBCARD (Bank of Baroda) T&C · rank every card by spend category →

Lounge access

Unlimited
Domestic
None
International
paid
Guests

Gate: ₹20k spend in the previous month; access activates 3–5 working days post-billing

Opens 72 of 662 tracked lounge doors across 40 airports — see the full map →

BOM ×6 DEL ×5 ATQ ×4 BLR ×4 CCU ×4 MAA ×4 BBI ×2 CNN ×2

Can you get it?

The cutoffs and the actual route in — not the "apply now" button, the door that opens.

Route Direct application
Income · salaried not published
Income · self-employed not published
Age band 18+ (Scapia standard — app-based approval; verify)

Direct application — no invite list, no banking relationship required.

per the official BOBCARD (Bank of Baroda) MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the ranking by what you can get →

The fine print

What the MITC actually says — the rates, fees and cutoffs the brochure skips.

Forex markup 0% — zero forex markup
APR 3.75%/mo (45%/yr) — standard BOBCARD tier (matches Federal Scapia's 3.75%/mo; verify)
Late fee Nil <₹100; ₹100 (₹100–500); ₹400 (₹501–1,000); ₹750 (₹1,001–10,000); ₹950 (₹10,001–25,000); ₹1,100 (₹25,001–50,000); ₹1,300 (>₹50,000)
Cash advance 2.5%, min ₹500
Add-on card Nil — no joining/annual fee on add-on cards (BOBCARD standard)
Overlimit 2.5%, min ₹600 (BOBCARD standard)
Redemption fee Coins redeem at 5 coins = ₹1 inside the Scapia app; no per-request fee published

Lifetime free, 0% forex. 20% Scapia Coins on app travel, 10% other, 5% on UPI (RuPay). Unlimited domestic lounge at ₹20k prior-month spend (activates 3–5 working days post-billing); no international lounge. Public launch Jan 2026 (post-beta), so it carries the post-Feb-2026 terms (₹20k gate; insurance/utility earn zeroed). Coins are travel-app-only money, 36-month expiry, no cashback/transfers. Scapia app auto-routes applications between Federal and BOB. APR/late-fee slabs and income/age follow BOBCARD/Scapia standard — verify against the card-specific KFS.

per the official BOBCARD (Bank of Baroda) MITC · reviewed 10 Jul 2026

What's changed for this card

Full tracker →

Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to.

  • 5 May 2026
    Buff moderate BOBCARD (Bank of Baroda)
    Eterna's lifetime-free window rolls forward yet again
    ₹2,499 joining + ₹2,499 annual fee (LTF offer due to lapse) → Zero joining and annual fees for new applicants, extended to 30 Jun 2026 — since pushed to 31 Jul

    BOBCARD keeps extending the deadline on its best acquisition offer: Eterna — 3.75% statement-credit value on online spends and unlimited domestic lounges — stays lifetime-free for new applicants. The offer opened in early 2026 with a 31-March fuse and has been rolled forward twice; every extension is a louder hint that the ₹2,499 fee isn't coming back soon. Sign before the music stops.

  • 1 Apr 2026
    Fee moderate BOBCARD (Bank of Baroda)
    BOBCARD reprices rail, toll and app-routed education
    No processing fee on railway/toll/bus bookings; telecom (MCC 4814) earned zero points → 1% fee on railway bookings ≥₹30k, all toll & bus ≥₹5k, and education via Cred/Paytm/PhonePe-type apps; telecom now earns core points

    BOBCARD's April-2026 notice gives with one hand and clips with the other. Telecom spends finally earn core points (3 RP/₹100 on Eterna), but big-ticket rail bookings, every toll and bus charge over ₹5,000, and tuition routed through third-party apps now carry a 1% fee — and the notice restates the long zero-earn MCC list, from supermarkets to hospitals. One, Uni and the Scapia co-brand are explicitly exempt.

  • 5 Jan 2026
    Launch moderate BOBCARD (Bank of Baroda)
    BOBCARD and Etihad Guest deal two co-brands — the last pipe in
    Etihad Guest earn from Indian card spend dying with the SBI co-brands (closing 31 Mar 2026) → Guest (₹2,500) and Guest Premium (₹5,000): 2 miles/₹100, 0% forex, double welcome miles for sign-ups till 28 Feb

    As SBI walked away from Etihad and Axis prepared to drop the transfer route, BOBCARD picked up the whole franchise: two Mastercard co-brands earning Guest miles directly, with the Premium doing 2 miles/₹100, 6 on etihad.com, 0% forex and a milestone ladder to 40,000 miles a year. Launch-window sign-ups before 28 February got doubled welcome miles. For anyone flying AUH out of India, this is now the only game in town.

Go deeper

Scapia Coins — the program hub → vs Scapia (Federal Bank) Welcome-bonus history → Best-of lists → The full rankings →

Sources

Every fact on this page is checked against these documents — the issuer's own paperwork first. Spot something stale? The PDF wins, and we re-verify.

Spot an error? Report it →

Model this card in the calculator →