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  • BOBCARD Scapia Credit Card
    • Image of BOBCARD Scapia
    BOBCARD

    BOBCARD Scapia

    cat name Travel
    cat name Lounge Access
    3.5/5.0

    Travel4.5/5

    Rewards3.0/5

    Lounge Access3.5/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹ 0

    Travel Benefit

    Travel Benefit

    Up to 20% rewards on travel spends

    International Use

    International Use

    Zero forex markup on international spends

    Lounge Access

    Lounge Access

    Unlimited domestic airport lounge access

    Updated on February 17, 2026 12:31 pm

    Author: Lepakshi Phogat

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    About The CardReward DetailsBenefits & PrivilegesFees & ChargesThings to KnowCard Review

    About BOBCARD Scapia

    BOBCARD Scapia is a co-branded travel credit card that comes at zero joining and annual fee. It is a lifetime free card that lets the cardholders earn 20% rewards on travel spends on Scapia app and 10% rewards on other spends. This card is offered on the Visa network, but is also accompanied by a RuPay variant, thus allowing the users to use this card for UPI transactions as well and earn 5% rewards on them. Staying true to its travel credit card image, this card also comes with zero forex mark-up, however excludes international transactions from its reward program. This BOBCARD also offers certain airport privileges like unlimited domestic lounge access and discount benefits on meeting certain monthly spending criteria. Moreover, it is expected to extend the facility of no cost EMI for travel spends made on Scapia app in the future. Read on to know more about the features and benefits of BOBCARD Scapia.

    Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit the BOBCARD website.

    Cashback Benefits

    Reward Earnings

    • 20% Rewards: On travel spends made on Scapia app
    • 10% Rewards: On all spends1 worth Rs. 20 and above made via Visa variant
    • 5% Rewards: On all spends1, including UPI transactions, worth Rs. 500 or above made via RuPay variant

        Reward Redemption

        • 1 Reward = 1 Scapia Coin, redeemable on Scapia app
        Image of null
        Image of null

        Other Features and Benefits

        Zero Forex Mark-up

        • No zero foreign currency mark-up fee charged on international transactions

        Complimentary Airport Lounge Access

        • Unlimited domestic airport lounge access on reaching Rs. 20,000 monthly spends2

        Airport Privileges

        • Access to airport privileges worth Rs. 1,000 at domestic airport terminals on reaching Rs. 20,000 monthly spends

        Fuel Benefit

        • 1% fuel surcharge waiver, up to Rs. 500 per month, on fuel transactions worth up to Rs. 5,000

        BOBCARD Scapia: Fees & Charges

        Particulars Amount
        Joining/Annual Fee Nil
        Forex Mark-up Fee Nil
        Finance Charges 3.75% per month i.e. 45% per annum
        Late Payment Charges
        On outstanding balance of:
        Less than Rs. 100 Nil
        Rs. 100 to Rs. 500 Rs. 100
        Rs. 501 to Rs. 1,000 Rs. 400
        Rs. 1,001 to Rs. 10,000 Rs. 750
        Rs. 10,001 to Rs. 25,000 Rs. 950
        Rs. 25,001 to Rs. 50,000 Rs. 1,100
        More than Rs. 50,000 Rs. 1,300

        Things to Know Before you apply

        Get this card if:

        You are a frequent traveller who is looking for a travel card at minimal cost

        You often make international purchases and want a credit card with zero forex mark-up fee

        You can maximise your benefits by meeting the spend-based condition for airport privileges and lounge access

        You are comfortable with restricting your travel bookings to Scapia app

        Other Similar Cards

        Paisabazaar Review

        Overall Rating

        3.5/5

        Travel4.5/5

        Rewards3.0/5

        Lounge Access3.5/5

        What do we like about this card?

        BOBCARD Scapia is a true travel credit card with all its features focusing on making travel more rewarding and comfortable. Cardholders earn 20% rewards on travel spends on Scapia app, 10% on others and 5% on UPI transactions, and these rewards can be used to make travel bookings on Scapia. This reward program is accompanied by the zero forex mark-up and airport privileges, including lounge access and discount benefits, further improving the travel experience of the cardholders. Moreover, these benefits are offered at zero card membership fee which allows the users to maximise their savings at minimal cost.

        Pros

        • Up to 20% rewards on travel spends
        • Up to 10% rewards on other spends
        • Zero forex mark-up fee
        • Lifetime free credit card
        • Airport privileges and unlimited domestic airport lounge access

        Cons

        • Reward redemption limited to Scapia app
        • No rewards on international purchases
        • Spend-based condition associated with airport benefits
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        Footnotes

        1. No rewards are accrued on fuel, fuel surcharge, utility, rent, insurance, education and school fees, money transfers, cash withdrawals, EMI transactions, forex transaction, gift cards, credit card repayments, crypto/digital asset transactions and digital wallet loading or top-up transactions.
        2. Cardholders should also be active every month to retain this benefit, in addition to the spend-based condition

        Click here to know More Terms and Conditions

        Lepakshi Phogat linkedIn icon

        Content Writer

        Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.

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