M16S / Bank of Baroda / Bank of Baroda BOBCARD Scapia Credit Card
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Bank of Baroda BOBCARD Scapia Credit Card
The Bank of Baroda BOBCARD Scapia Credit Card charges no annual fee and no joining fee. Accelerated earn: '20%' on travel bookings made in the Scapia app. The forex markup is 0%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- —
- Forex markup
- 0%
- Interest
- 3.75%a month
Apply on bobcard.co.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Zero joining and annual fee. |
Rewards
| Reward currency | Scapia Coins |
|---|---|
| Base earn | Page states '10%' rewards on Visa spends of Rs 20+ and '5%' on RuPay spends (offline, online, UPI) of Rs 500+, expressed in Scapia Coins |
| Point value | Not stated on the BOBCARD page; coins can pay up to 100% of a booking on Scapia |
| Accelerated earn | '20%' on travel bookings made in the Scapia app |
| Spends that earn nothing | Wallet loads, education, fuel, government services, professional services, real estate, rent, business services, insurance, utilities |
| Reward notes | The percentages are coin-earn rates, not rupee cashback; the BOBCARD page does not print the rupee value of a Scapia Coin, so base_return_pct is left null. |
Travel and perks
| Domestic lounge | Unlimited domestic lounge access on spending Rs 20,000 in the month; airport privileges up to Rs 1,000 |
|---|---|
| International lounge | Airport privileges up to Rs 2,000 at the international terminal for international bookings above Rs 50,000 made on the Scapia app |
| Lounge conditions | Rs 20,000 monthly spend unlock |
| Forex markup | 0% |
| Fuel surcharge waiver | 1% waiver on fuel transactions up to Rs 5,000 |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300 |
| Cash advance fee | 2.5% of amount or Rs 500, whichever is higher |
| Eligibility | Indian resident, age 25-60, salaried or self-employed; applied for through the Scapia app |
| Fine-print notes | Zero forex markup is stated for the Visa variant. Scapia cards are also issued by another bank; this entry covers the BOBCARD-issued version. Generic BOBCARD MITC charges apply (interest 3.75% per month, cash advance 2.5% min Rs 500). |
Questions
- What is the annual fee of the Bank of Baroda BOBCARD Scapia Credit Card?
- No annual fee.
- Does the Bank of Baroda BOBCARD Scapia Credit Card give airport lounge access?
- Yes. In India: Unlimited domestic lounge access on spending Rs 20,000 in the month; airport privileges up to Rs 1,000. Outside India: Airport privileges up to Rs 2,000 at the international terminal for international bookings above Rs 50,000 made on the Scapia app. Conditions: Rs 20,000 monthly spend unlock
- What is the forex markup on the Bank of Baroda BOBCARD Scapia Credit Card?
- 0% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Bank of Baroda BOBCARD Scapia Credit Card?
- Wallet loads, education, fuel, government services, professional services, real estate, rent, business services, insurance, utilities