Scapia (BOBCARD) vs Canara Bank Platinum (2026)
Canara Bank Platinum vs Scapia (BOBCARD): which wins?
₹79,200ranking value a year at ₹3L a month, to Scapia (BOBCARD)
Skip the duel — the board, ranked → · nothing to sign up for
not confirmed against not confirmed on our board, ₹61,200 apart in ranking value at ₹3L a month.
Scapia (BOBCARD) out-earns Canara Bank Platinum at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 10 compared
Head to head
| Scapia (BOBCARD) | Metric | Canara Bank Platinum |
|---|---|---|
| not confirmed | Our rank | not confirmed |
| ₹0 — lifetime free | Fee — joining · annual (+ GST) | ₹0 — lifetime free |
| None | Fee waiver | None |
| 0% — zero forex markup | Forex markup | not published |
| 3.75%/mo (45%/yr) — standard BOBCARD tier (matches Federal Scapia's 3.75%/mo; verify) | APR | not published |
| 2.0% — wins this row | Headline earn rate | 0.5% |
| Scapia Coins | Currency | Canara Reward Points |
| ₹0.20/pt | House value | ₹0.25/pt |
| None — lifetime free with no joining bonus; the 0% forex is the pitch | Welcome benefit | — |
| 72 of 793 | Lounge doors opened | 77 of 793 — wins this row |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: Scapia (BOBCARD) and Canara Bank Platinum are both not confirmed to be on sale. How people actually get Canara Bank Platinum is on its card page.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
Scapia (BOBCARD) out-earns Canara Bank Platinum at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
Scapia (BOBCARD) leads at all 20 steps, but not by the same amount: ₹5,100 at ₹0.25L a month, ₹1,02,000 at ₹5L — the gap fans out with spend, widest at ₹5L (₹1,02,000).
Canara Bank Platinum's ongoing earn stops at ₹5,00,000 of spend a month, where Scapia (BOBCARD)'s doesn't; Scapia (BOBCARD) runs a 4.0% booster on Scapia app travel bookings, where Canara Bank Platinum earns one flat rate.
Scapia (BOBCARD) draws above the line, Canara Bank Platinum below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Scapia (BOBCARD) | Canara Bank Platinum | In front |
|---|---|---|---|
| ₹0.25L | ₹6,600 | ₹1,500 | Scapia (BOBCARD) by ₹5,100 |
| ₹0.5L | ₹13,200 | ₹3,000 | Scapia (BOBCARD) by ₹10,200 |
| ₹0.75L | ₹19,800 | ₹4,500 | Scapia (BOBCARD) by ₹15,300 |
| ₹1L | ₹26,400 | ₹6,000 | Scapia (BOBCARD) by ₹20,400 |
| ₹1.25L | ₹33,000 | ₹7,500 | Scapia (BOBCARD) by ₹25,500 |
| ₹1.5L | ₹39,600 | ₹9,000 | Scapia (BOBCARD) by ₹30,600 |
| ₹1.75L | ₹46,200 | ₹10,500 | Scapia (BOBCARD) by ₹35,700 |
| ₹2L | ₹52,800 | ₹12,000 | Scapia (BOBCARD) by ₹40,800 |
| ₹2.25L | ₹59,400 | ₹13,500 | Scapia (BOBCARD) by ₹45,900 |
| ₹2.5L | ₹66,000 | ₹15,000 | Scapia (BOBCARD) by ₹51,000 |
| ₹2.75L | ₹72,600 | ₹16,500 | Scapia (BOBCARD) by ₹56,100 |
| ₹3L | ₹79,200 | ₹18,000 | Scapia (BOBCARD) by ₹61,200 |
| ₹3.25L | ₹85,800 | ₹19,500 | Scapia (BOBCARD) by ₹66,300 |
| ₹3.5L | ₹92,400 | ₹21,000 | Scapia (BOBCARD) by ₹71,400 |
| ₹3.75L | ₹99,000 | ₹22,500 | Scapia (BOBCARD) by ₹76,500 |
| ₹4L | ₹1,05,600 | ₹24,000 | Scapia (BOBCARD) by ₹81,600 |
| ₹4.25L | ₹1,12,200 | ₹25,500 | Scapia (BOBCARD) by ₹86,700 |
| ₹4.5L | ₹1,18,800 | ₹27,000 | Scapia (BOBCARD) by ₹91,800 |
| ₹4.75L | ₹1,25,400 | ₹28,500 | Scapia (BOBCARD) by ₹96,900 |
| ₹5L | ₹1,32,000 | ₹30,000 | Scapia (BOBCARD) by ₹1,02,000 |
Transfer reach — 0 vs 0 live routes
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
Scapia (BOBCARD) · 1 more →
- 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
Canara Bank Platinum · 4 more →
- No international lounge access at this tier — Canara's variants table reads "Not Available"
- RuPay Platinum's quota contradicts itself: 2 a quarter, footnoted as a cap of 4 a year. Budget for 4
- Spend under ₹50,000 in a card year and Canara charges a ₹200 inactivity fee, so it is not unconditionally free
The call
For the ₹1L/month spender, Scapia (BOBCARD) nets ₹26,400 against ₹6,000 — a ₹20,400 gap. At ₹5L/month, Scapia (BOBCARD) nets ₹1,32,000 against ₹30,000 — a ₹1,02,000 gap. Lounge chasers: Canara Bank Platinum opens 77 of 793 tracked doors to Scapia (BOBCARD)'s 72.
Our standing verdicts: Scapia (BOBCARD) — Keep; Canara Bank Platinum — Keep. Scapia (BOBCARD) takes 4 of the 5 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, Scapia (BOBCARD) or Canara Bank Platinum?
Scapia (BOBCARD). Scapia (BOBCARD) takes 4 of the 5 rounds we can score. Scapia (BOBCARD) out-earns Canara Bank Platinum at every spend level we model, from ₹25k to ₹5L a month.
Scapia (BOBCARD) or Canara Bank Platinum — which earns more at ₹3L a month?
At ₹3L a month, Scapia (BOBCARD) nets ₹79,200 against ₹18,000 — a ₹61,200 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, Scapia (BOBCARD) or Canara Bank Platinum?
They cost the same to get: ₹0 — lifetime free. Scapia (BOBCARD) waives its fee at no spend level — there is no waiver; Canara Bank Platinum at no spend level — there is no waiver.
Which gets you into more airport lounges, Scapia (BOBCARD) or Canara Bank Platinum?
Lounge chasers: Canara Bank Platinum opens 77 of 793 tracked doors to Scapia (BOBCARD)'s 72. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: Scapia (BOBCARD) on 2026-07-26, Canara Bank Platinum on 2026-08-23. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against BOBCARD (Bank of Baroda) and Canara Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 9 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
- official Canara's own Mastercard Platinum Credit Card page — 2 self + 1 guest domestic lounge visits a quarter, NIL fees, 2 points per ₹100, 3% forex and the ₹50,000 turnover bar
- official Canara's "Credit Card Variants & Features" comparison — Annual/Joining/Enrolment fee NIL, the Platinum lounge quotas, 2 points per ₹100 and the 3% forex markup
- official Canara Bank credit-card MITC — "Value of each reward point is Rs. 0.25", 2 points per ₹100, the 10,000-point cycle cap and the ₹200 Platinum inactivity fee
- official Canara Bank credit cards page — the full 16-variant shelf and the network lounge lists