Scapia (BOBCARD)
KeepThe Federal Scapia's twin on a second bank — same 0% forex, same coins-that-aren't-money, double the approval odds.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: None — lifetime free with no joining bonus; the 0% forex is the pitch
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on utilities and fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹200 gross (earn ₹200) against its ₹0 fee = ₹200 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
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.
Your renewal — keep, downgrade or cancel
This card is lifetime free. There is no fee due, no renewal to weigh, and nothing to cancel to save.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0 — lifetime free
At your spend
₹5,000 a year at ₹3,00,000 of annual spend
₹10,100 a year at ₹6,00,000 of annual spend
₹20,200 a year at ₹12,00,000 of annual spend
₹60,500 a year at ₹36,00,000 of annual spend
₹1,00,800 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
The downgrade
BOBCARD (Bank of Baroda) publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 25 Aug 2026 BOBCARD withdraws accidental death cover from twenty cards issuer-wide
- 15 Jul 2026 BOBCARD nearly doubles the spend gate on unlimited domestic lounges issuer-wide
- 1 Apr 2026 BOBCARD reprices rail, toll and app-routed education issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
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 these points actually fly
No live transfer route takes Scapia Coins into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
13 sourced rules · 10 pay zero
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
- 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
72 of 793 tracked doors
Gate: ₹20k spend in the previous month; access activates 3–5 working days post-billing
Opens 72 of 793 tracked lounge doors across 40 airports , via Visa — see the full map →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Not confirmed on sale — the issuer still documents this card but we could not confirm it is open to new applications. Treat any application path with care.
per the official BOBCARD (Bank of Baroda) MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
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
6 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 25 Aug 2026BOBCARD withdraws accidental death cover from twenty cardsAir and Non-Air Accidental Death Cover bundled with Eterna, Eterna (FD), Premier, Premier (FD), Select, Select (FD), Tiara, Empower Business, Corporate Platinum, Swavlamban, Prime, Elite, Platinum Select, Signature, Assure, Renaissance and the three Pragati RRB variants. → No Air or Non-Air Accidental Death Cover. Already gone on anything issued after 15 July 2026; existing cardholders keep it only until 25 August 2026.
BOBCARD's July revision notice has a quiet fourth clause, and it lands on 25 August 2026: the Air and Non-Air Accidental Death Cover comes off twenty product variants at once — not just new cards, but every card already in a wallet. Cards issued after 15 July 2026 never had it. Call it minor and mean it, because this desk does not price the perk and neither should you: air-accident death cover is the benefit every Indian issuer prints in bold and nobody ever claims, it pays only on death in a common carrier, and it costs the issuer almost nothing precisely because it almost never pays. Losing it changes no number on this site. What it signals is the direction: the same notice already moved the unlimited-domestic-lounge gate on Eterna, Eterna (FD), Tiara and Varunah Premium from ₹40,000 to ₹75,000 of preceding-quarter spend, and raised the finance charge on Eterna and Tiara from 3.25% to 3.75% a month. The insurance line is the third cut in one PDF, and it is the one that reaches cards nobody thought were being repriced. ON THE LOUNGE DATE, because BOBCARD published three answers and two of them are still live. The 12 June notice set the ₹75,000 gate for 15 July 2026. Four days later, on 16 June, BOBCARD issued an ADDENDUM — "This communication serves as an addendum to our earlier communication on Friday 12th June 2026" — that DEFERRED the lounge change alone: "₹40,000 in preceding calendar quarter" applicable till 30 September 2026, "₹75,000" from 1 October 2026, with the finance-charge and HPCL clauses left at 15 July. Then the operative Features and Rewards T&C dated 15 July 2026 — which POSTDATES the addendum — prints §5.1 Table1 as "Eterna / Unlimited / Rs. 75,000 in preceding calendar quarter", with no date qualifier and no ₹40,000 anywhere, and BOBCARD's product pages agree. The operative document governs, so ₹75,000 is what this desk carries on all four cards; the addendum is recorded here because a reader who reads the addendum and not the T&C will believe they have until October, ; the ₹75,000 gate is the one that applies.
- 5 Aug 2026Etihad Guest Gold now costs ₹10,000 on etihad.com, not one rupee
- 15 Jul 2026BOBCARD nearly doubles the spend gate on unlimited domestic lounges
- 5 May 2026Eterna's lifetime-free window rolls forward yet again
- 1 Apr 2026BOBCARD reprices rail, toll and app-routed education
- 5 Jan 2026BOBCARD and Etihad Guest deal two co-brands — the last pipe in
Every BOBCARD (Bank of Baroda) change we've dated → 6 events in 2026, 4 of them nerfs — worst year 2026.
Verified against BOBCARD (Bank of Baroda)'s own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 5 of them, each with the day we read it
- official BOBCARD Scapia product page — ₹0 LTF, 0% forex, 20%/10%/5% coin rates (Visa min ₹20, RuPay min ₹500), ₹20k/month unlimited-lounge gate, zero-coin category list, Visa + RuPay
- official BOBCARD Scapia MITC PDF — Nil joining/annual fee, 0% forex, 3.75%/mo (45%/yr) APR, 1% rent/wallet fee, 1% fuel/utility fee over ₹50k/month, late-fee slabs
- official BOBCARD Scapia T&C PDF — 10%/5%/20% reward rates and minimums, 5 coins = ₹1 on app-only travel redemption, 36-month validity
- official Scapia site — coin rates and redemption scope (flights/hotels/trains/buses inside the app), post-Feb-2026 terms, dual-issuer routing
- community Paisabazaar — BOBCARD Scapia public launch Jan 2026 (post-beta), lifetime free, ₹20k monthly lounge gate, features mirror the Federal version