Scapia (BOBCARD) vs Scapia (Federal Bank) (2026)
Scapia (Federal Bank) 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
The same Scapia co-brand wearing two bank badges — identical travel-coin engine, different issuer plumbing. Pick the bank, not the card.
A dead heat at every spend level we model — pick on benefits, not earn.
Every metric, row by row — 10 compared
Head to head
| Scapia (BOBCARD) | Metric | Scapia (Federal Bank) |
|---|---|---|
| not confirmed | Our rank | #33 |
| ₹0 — lifetime free | Fee — joining · annual (+ GST) | ₹0 — lifetime free |
| None | Fee waiver | None |
| 0% — zero forex markup | Forex markup | Nil — 0% markup (official KFS) |
| 3.75%/mo (45%/yr) — standard BOBCARD tier (matches Federal Scapia's 3.75%/mo; verify) | APR | 3.75%/mo (45%/yr), from date of transaction; same rate on cash advances (no interest-free period on cash) |
| 2.0% | Headline earn rate | 2.0% |
| Scapia Coins | Currency | Scapia Coins |
| ₹0.20/pt | House value | ₹0.20/pt |
| None — lifetime free with no joining bonus; the 0% forex is the pitch | Welcome benefit | None — lifetime free with no joining bonus; the 0% forex is the pitch |
| 72 of 793 | Lounge doors opened | 72 of 793 |
Neither issuer publishes an income floor for these two. Scapia (BOBCARD) is not confirmed to be on sale; Scapia (Federal Bank) is open to a direct application.
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.
A dead heat at every spend level we model — pick on benefits, not earn.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
The two curves sit on top of each other from ₹0.25L to ₹5L a month — this is not a fight decided on earn.
Scapia (BOBCARD) draws above the line, Scapia (Federal Bank) below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Scapia (BOBCARD) | Scapia (Federal Bank) | In front |
|---|---|---|---|
| ₹0.25L | ₹6,600 | ₹6,600 | level |
| ₹0.5L | ₹13,200 | ₹13,200 | level |
| ₹0.75L | ₹19,800 | ₹19,800 | level |
| ₹1L | ₹26,400 | ₹26,400 | level |
| ₹1.25L | ₹33,000 | ₹33,000 | level |
| ₹1.5L | ₹39,600 | ₹39,600 | level |
| ₹1.75L | ₹46,200 | ₹46,200 | level |
| ₹2L | ₹52,800 | ₹52,800 | level |
| ₹2.25L | ₹59,400 | ₹59,400 | level |
| ₹2.5L | ₹66,000 | ₹66,000 | level |
| ₹2.75L | ₹72,600 | ₹72,600 | level |
| ₹3L | ₹79,200 | ₹79,200 | level |
| ₹3.25L | ₹85,800 | ₹85,800 | level |
| ₹3.5L | ₹92,400 | ₹92,400 | level |
| ₹3.75L | ₹99,000 | ₹99,000 | level |
| ₹4L | ₹1,05,600 | ₹1,05,600 | level |
| ₹4.25L | ₹1,12,200 | ₹1,12,200 | level |
| ₹4.5L | ₹1,18,800 | ₹1,18,800 | level |
| ₹4.75L | ₹1,25,400 | ₹1,25,400 | level |
| ₹5L | ₹1,32,000 | ₹1,32,000 | level |
Transfer reach — 0 shared live routes
Transfer reach
Both cards earn Scapia Coins, so the partner list is identical — 0 live transfer routes each. The fight is decided on earn and fees, not 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
Scapia (Federal Bank) · 1 more →
- Coins spend ONLY on Scapia-app travel — no cashback, no transfers, app-dependency risk
- Feb-2026 nerf: lounge bar doubled to ₹20k/month; insurance & utility earn killed
- Zero coins on international spends — abroad it's purely a 0%-forex card
The call
For the ₹1L/month spender, it's a dead heat at ₹26,400. At ₹5L/month, it's a dead heat at ₹1,32,000. Lounge chasers get no tiebreak here: both open 72 of 793 tracked doors.
Our standing verdicts: Scapia (BOBCARD) — Keep; Scapia (Federal Bank) — Keep. Scapia (BOBCARD) the lower fee breaks the tie — ₹0 — lifetime free against ₹0 — lifetime free — 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 Scapia (Federal Bank)?
Scapia (BOBCARD). They split the 0 rounds we can score 0–0; Scapia (BOBCARD) the lower fee breaks the tie — ₹0 — lifetime free against ₹0 — lifetime free. A dead heat at every spend level we model — pick on benefits, not earn.
Scapia (BOBCARD) or Scapia (Federal Bank) — which earns more at ₹3L a month?
At ₹3L a month, it's a dead heat at ₹79,200. 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 Scapia (Federal Bank)?
They cost the same to get: ₹0 — lifetime free. Scapia (BOBCARD) waives its fee at no spend level — there is no waiver; Scapia (Federal Bank) at no spend level — there is no waiver.
Which gets you into more airport lounges, Scapia (BOBCARD) or Scapia (Federal Bank)?
Lounge chasers get no tiebreak here: both open 72 of 793 tracked doors. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Both card records were last re-verified against their issuers' own documents on 2026-07-26. 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 Federal 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 Product page — "Zero joining and annual fees", "Zero forex markup on all international transaction"
- official Key Fact Sheet PDF v11 (30-04-2026) — Nil fees, 0% forex, 3.75%/mo APR, late-fee slabs, cash advance 2.5% min ₹500, rent/wallet/fuel/utility 1% fees
- community CardInsider — Feb-2026 nerf (₹20k gate, insurance/utility/telecom earn killed 27-Feb-2026, 36-month expiry)
- official Scapia summer release — dual Visa + RuPay cards on one account (Jun-2025)