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Credit cards

Scapia Credit Card

A travel-focused co-branded credit card with Scapia rewards, zero forex markup and spend-qualified domestic lounge access.

Cashback / reward formThe official BOBCARD Scapia page publishes travel rewards as Scapia Coins rather than statement cashback: 20% on bookings through the Scapia app, 10% on eligible Visa spends and 5% on eligible RuPay/UPI spends. Coins are used in the Scapia app for travel bookings.Rewards20% rewards on travel bookings through the Scapia app; 10% rewards on eligible Visa spends and 5% on eligible RuPay/UPI spendsOffers and product benefitsVisa variant: 10% rewards on eligible offline and online select-category spends of at least ₹20; RuPay variant: 5% rewards on eligible offline, online and UPI spends of at least ₹500; both variants earn 20% on Scapia-app travel bookings, offer unlimited domestic lounge access after ₹20,000 monthly spend (privilege up to ₹1,000) and charge zero forex markup.
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Quick eligibility check

Scapia Credit Card

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you an Indian resident?

Published source: Eligibility

2Are you salaried or self-employed?

Published source: Eligibility

3Are you aged 25 to 60?

Published source: Eligibility

4Are you this type of customer: The Scapia eligibility check requires an Indian resident who is 25–60 and salaried or self-employed?

Published source: Income evidence

5Does your annual income meet this requirement: it does not publish a numeric income threshold?

Published source: Income evidence

6Document checkDo you have this required document or proof: Recent passport-size photograph?

Published source: Required documents

7Document checkDo you have this required document or proof: PAN card (mandatory)?

Published source: Required documents

8Document checkDo you have at least one of these required documents: Address proof: Aadhaar, voter ID, passport or driving licence?

Published source: Required documents

9Document checkDo you have this required document or proof: Salaried: bank statement showing salary credit for the last 2 months and salary slips as specified?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byBank of Baroda

India; issuance is subject to LIMITED approval and the product-specific criteria

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

IssuerBOBCARD LIMITEDView source
Checked against the current official issuer catalogue and controlling terms.
Source
Issuer
Page / section
Issuer
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Interest-free credit period20 to 50 days when there is no previous outstandingEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Interest-free period
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Minimum amount due100% of fees, charges, finance charges, GST and EMI amount, plus 2% of retail spends and cash advances, or ₹200, whichever is higher; over-limit amount applies when higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Cash-withdrawal charge2.5% of the amount withdrawn or ₹500, whichever is higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Late-payment chargeNil below ₹100; ₹100 for ₹100–₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 above ₹50,000Effective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Rent-payment processing fee1% of the transaction amount for rent-payment MCC 6513Effective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Wallet-loading processing fee1% on wallet-loading MCCs 6539, 6540, 6541 and 6542; wallet loading is not allowed on Micro EnterpriseEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
High-value utility-payment fee1%, capped at ₹3,000 per transaction, when an MCC 4900 utility transaction is ₹50,000 or higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
High-value fuel-payment fee1% when a listed fuel-MCC transaction is ₹10,000 or higher; not applicable to HPCL ENERGIE BOBCARDEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Over-limit charge2.5% of the amount above the sanctioned credit limit or ₹600, whichever is higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Cash-payment processing fee₹250 for every cash paymentEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Cheque-payment processing fee₹100 for every cheque paymentEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Cheque-return / auto-debit bounce charge2% of the payment amount, subject to a minimum of ₹500Effective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Card-replacement charge₹100 per cardEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Charge-slip retrieval charge₹250 per charge slipEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Duplicate-bill charge₹25 per billEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
GST on charges18% on fees, interest and other chargesEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
Source
Key Fact Statement / current product revision
Page / section
Tariff of charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Published card benefits20% rewards on travel bookings through the Scapia app; 10% rewards on eligible Visa spends and 5% on eligible RuPay/UPI spends; Unlimited domestic lounge access on qualifying ₹20,000 monthly spends; Zero forex markupView source
Checked against the current official issuer catalogue and controlling terms.
Source
Published card benefits
Page / section
Current card catalogue
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Annual / renewal feeNilView source
Checked against the current official issuer catalogue and controlling terms.
Source
Annual / renewal fee
Page / section
Fees and charges
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Foreign-currency markup0%View source
Checked against the current official issuer catalogue and controlling terms.
Source
Foreign-currency markup
Page / section
Travel / foreign-currency benefit
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Airport lounge accessUnlimited domestic lounge access after ₹20,000 monthly spend; lounge benefit is capped at ₹1,000 per eligible visit under the card terms.View source
The official product page states ₹20,000 monthly spend for unlimited domestic lounge access and describes the ₹1,000 lounge privilege amount.
Source
Scapia Credit Card
Page / section
Unlimited lounge access
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Annual finance charge45% per annumEffective 5 May 2026View source
The states 3.75% per month, or 45% per annum, for all other credit cards; ETERNA and TIARA have a separate 3.25% tier and Micro Enterprise is 1.5%.
Source
Key Fact Statement — 5 May 2026
Page / section
Finance charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Monthly finance charge3.75% per monthEffective 5 May 2026View source
The states 3.75% per month, or 45% per annum, for all other credit cards; ETERNA and TIARA have a separate 3.25% tier and Micro Enterprise is 1.5%.
Source
Key Fact Statement — 5 May 2026
Page / section
Finance charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Annual-fee waiverNo annual fee; fee waiver is not applicable.Effective 5 May 2026View source
The annual-fee table lists NIL annual fee and NIL fee-waiver criterion for these lifetime-free variants.
Source
Key Fact Statement — 5 May 2026
Page / section
Annual fees and fee-waiver criteria
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Rewards20% rewards on travel bookings through the Scapia app; 10% rewards on eligible Visa spends and 5% on eligible RuPay/UPI spendsView source
Derived from the manually reviewed “Published card benefits” block; see the issuer source for exclusions and controlling terms.
Source
Published card benefits
Page / section
Current card catalogue
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
EligibilityIndian resident; salaried or self-employed; age 25–60.View source
Indian resident; salaried or self-employed; age 25–60.
Source
Scapia Credit Card — official eligibility and network details
Page / section
Application guidelines / card network
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
NetworkVisa or RuPay variant; rewards and minimum transaction rules differ by network.View source
Visa or RuPay variant; rewards and minimum transaction rules differ by network.
Source
Scapia Credit Card — official eligibility and network details
Page / section
Application guidelines / card network
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Cashback / reward formThe official BOBCARD Scapia page publishes travel rewards as Scapia Coins rather than statement cashback: 20% on bookings through the Scapia app, 10% on eligible Visa spends and 5% on eligible RuPay/UPI spends. Coins are used in the Scapia app for travel bookings.View source
The current official page lists 20% Scapia Coins on Scapia-app travel bookings, 10% on eligible Visa spends and 5% on eligible RuPay/ spends, and describes redemption for travel bookings in the Scapia app.
Source
Scapia Credit Card — official product page
Page / section
Rewards and Scapia Coins
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Income evidenceThe Scapia eligibility check requires an Indian resident who is 25–60 and salaried or self-employed; it does not publish a numeric income threshold. The digital journey verifies the required details automatically, so no separate income-proof amount is stated.View source
The current eligibility check lists Indian residency, age 25–60 and salaried or self-employed status, with automated verification; it does not show a minimum income number.
Source
Scapia Credit Card — official product page
Page / section
Application Guidelines — Eligibility Check
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Offers and product benefitsVisa variant: 10% rewards on eligible offline and online select-category spends of at least ₹20; RuPay variant: 5% rewards on eligible offline, online and UPI spends of at least ₹500; both variants earn 20% on Scapia-app travel bookings, offer unlimited domestic lounge access after ₹20,000 monthly spend (privilege up to ₹1,000) and charge zero forex markup.View source
The current Scapia page publishes the Visa/RuPay minimum transaction rules, 20% Scapia travel rewards, ₹20,000 lounge threshold, ₹1,000 privilege and zero forex markup.
Source
Scapia Credit Card
Page / section
Benefits; Eligibility Check; Features and Benefits
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
Required documentsCommon BOBCARD application evidence: recent passport-size photograph; PAN card; address proof such as Aadhaar (both sides), voter ID, passport or driving licence; salaried applicants provide a bank statement showing salary credit for the last 2 months, with salary slips accompanied by the statement; self-employed applicants provide a PDF bank statement reflecting business transactions for the last 3 months. BOBCARD may request additional variant-specific evidence.View source
The official guidance lists a recent photograph and as mandatory, Aadhaar/voter /passport/driving licence as address-proof examples, two months of salary-credit statements for salaried applicants and a bank statement covering the last three months of business transactions for self-employed applicants.
Source
— official application guidance and documentation
Page / section
Documentation for — Mandatory Proof, Address Proof and Income Proof
Accessed
13 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • 20% rewards on travel bookings through the Scapia app
  • 10% rewards on eligible Visa spends and 5% on eligible RuPay/ spends
  • Unlimited domestic lounge access on qualifying ₹20,000 monthly spends
  • Zero forex markup

Eligibility

  • Indian resident
  • salaried or self-employed
  • age 25–60.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Recent passport-size photograph
  • card (mandatory)
  • Address proof: Aadhaar, voter , passport or driving licence
  • Salaried: bank statement showing salary credit for the last 2 months and salary slips as specified
  • Self-employed: bank statement reflecting business transactions for the last 3 months; may request additional evidence

Related official documents

BOBCARD generic Most Important Terms and Conditions — March 2024official-terms · historical-reference · accessed 26 Aug 2026
↗
BOBCARD Key Fact Statementkey-fact-statement · current-with-later-product-revision · accessed 15 Aug 2026
↗
Revision in BOBCARD Product Features / Benefits effective 15 July 2026product-revision · current · accessed 25 Sept 2026
↗
BOBCARD Scapia Credit Card — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
BOBCARD — official application guidance and documentationofficial-application-page · current · accessed 13 Sept 2026
↗
BOBCARD Scapia Credit Card — official product pageofficial-product-page · current · accessed 8 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Interest added for one month₹1,875one thousand eight hundred seventy-five rupees
Balance after that interest₹51,875fifty-one thousand eight hundred seventy-five rupees
Monthly rate × 1245%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Interest-free period · Published amount or condition20 to 50 days when there is no previous outstanding; not applicable when prior balance is not cleared in full or cash is withdrawn

This value is copied from Generic tariff and finance charges — March 2024. Check the table notes before relying on it.

Source: generic Most Important Terms and Conditions — March 2024 · Pages 1–4 — tariff, billing, insurance, rewards and support Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 19 rows · 2 columnsGeneric BOBCARD tariff and finance charges — March 2024Dated common tariff from the official generic MITC; current 2026 sources control where they differ.View tableHide table

Scroll sideways to view every column

Generic BOBCARD tariff and finance charges — March 2024
Charge / featurePublished amount or condition
Interest-free period20 to 50 days when there is no previous outstanding; not applicable when prior balance is not cleared in full or cash is withdrawn
Minimum amount due5% of outstanding balance or ₹200, whichever is higher; may vary for irregular payments
Cash withdrawal2.5% of amount withdrawn or ₹500, whichever is higher; cash withdrawal unavailable for Unnati co-brand
Finance chargesUnnati 1.50% monthly / 18% p.a.; Eterna, Prime, Varunah Plus, Varunah, Premium, Yoddha, The Sentinel, Vikram, Rakshamah and Empower Business 3.25% monthly / 39% p.a.; Premier, Corporate, Signature, Assure and PayTM 3.49% monthly / 41.88% p.a.; all other cards 3.6% monthly / 43.2% p.a. in this dated
Duplicate bill₹25 per bill
Fuel surcharge waiver: 1% waived on ₹500–₹3,000, capped ₹100/statement; Varunah base: 1% waived on ₹400–₹5,000, capped ₹100; : same range at stations, capped ₹100; other cards: ₹400–₹5,000, capped ₹250; component is not reversed and eligible fuel transactions do not earn reward points
Cheque return / auto-debit bounce2% of payment amount, minimum ₹500
Cash / cheque payment₹250 per cash payment; ₹100 per cheque payment
18% on fees, interest and other charges under the dated government rate cited in the document
Over-limit2.5% of amount above sanctioned limit or ₹600, whichever is higher
Card replacement₹100 per card
Charge-slip retrieval₹250 per charge slip
Foreign currency transaction feeEterna, Varunah Premium, , and 2%; Varunah Plus 2.5%; Yoddha, The Sentinel, Rakshamah and Vikram 3%; all other cards 3.5%; Unnati not valid for international transactions
Limit enhancementNo fee
Late-payment chargeNil below ₹100; ₹100 for ₹100–₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 above ₹50,000
Rent-payment processing1% of total transaction amount for 6513
Contactless transactionTransactions of ₹5,000 or less can be made by tap without signature or , subject to the dated terms
Billing dispute windowStatement discrepancies should be raised within 15 days of statement generation or 45 days of transaction; later disputes are at discretion
Reward-point lapseReward points lapse on closure, , dues overdue more than 90 days, settlement, fraud after investigation, death, no use for more than 365 days, or certain blocked/replacement-card situations
  • This table is intentionally dated. It is a historical reference and must not override the current , July 2026 revision or current product page.
generic Most Important Terms and Conditions — March 2024 · Pages 1–4 — tariff, billing, insurance, rewards and support · effective 21 Mar 2024 · accessed 26 Aug 2026Open official source ↗
Table 2 · 3 rows · 4 columnsBOBCARD Scapia network-specific rewardsPublished reward rates and minimum transaction values by issued network.View tableHide table

Scroll sideways to view every column

BOBCARD Scapia network-specific rewards
Issued networkEligible spendRewardMinimum transaction
VisaEligible offline and online select categories10%₹20
RuPayEligible offline, online and spends5%₹500
Visa or RuPayScapia-app travel bookings20%Not stated
  • Lounge access requires ₹20,000 monthly spend and carries a published privilege amount up to ₹1,000; terms and exclusions apply.
Scapia Credit Card · Benefits and Features · accessed 8 Sept 2026Open official source ↗

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