Scapia (BOBCARD) vs Scapia (Federal Bank) (2026)
The same Scapia co-brand wearing two bank badges — identical travel-coin engine, different issuer plumbing. Pick the bank, not the card.
Head to head
| Metric | Scapia (BOBCARD) | Scapia (Federal Bank) |
|---|---|---|
| Our rank | #31 | #28 |
| Annual fee | ₹0 + GST | ₹0 + GST |
| Fee waiver | None | None |
| Forex markup | 0% — zero forex markup | Nil — 0% markup (official KFS) |
| APR | 3.75%/mo (45%/yr) — standard BOBCARD tier (matches Federal Scapia's 3.75%/mo; verify) | 3.75%/mo (45%/yr), from date of transaction; same rate on cash advances (no interest-free period on cash) |
| Effective reward rate | 2.0% | 2.0% |
| Currency | Scapia Coins | Scapia Coins |
| House value | ₹0.20/pt | ₹0.20/pt |
| Welcome benefit | None — lifetime free with no joining bonus; the 0% forex is the pitch | None — lifetime free with no joining bonus; the 0% forex is the pitch |
| Lounge doors opened | 72 of 663 | 72 of 663 |
| Income — salaried | not published | not published |
| Income — self-employed | not published | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual 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. Tune it to your own spend in the calculator.
A dead heat at every spend level we model — pick on benefits, not earn.
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 →
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 663 tracked doors.
Our standing verdicts: Scapia (BOBCARD) — Keep; Scapia (Federal Bank) — Keep. On our board, Scapia (Federal Bank) sits at #28 to Scapia (BOBCARD)'s #31 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →