Scapia BOBCARD Credit Card
BOBCARD (Bank of Baroda)
Scapia BOBCARD Credit Card
BOBCARD (Bank of Baroda)
Annual Fee
FREE
Effective Rate
0.00%
Network
VISA
Point Value
₹0.00/pt
About Scapia BOBCARD Credit Card
The Scapia BOBCARD Credit Card is a standard-tier reward points credit card issued by BOBCARD (Bank of Baroda) on the VISA network. It is a lifetime free card with no annual or joining fee. The card includes complimentary airport lounge access, making it well suited for frequent flyers.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleLifetime free — no annual fee ever
- check_circleScapia Travel Benefits
thumb_downCons
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.00 — an effective return of 0.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 2% | 200 pts≈ ₹0 |
| All other spends | 2% | 200 pts≈ ₹0 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the BOBCARD (Bank of Baroda) rewards portal. Redemption value may vary by option.
Card Benefits
Domestic Airport Lounge
2 complimentary domestic lounge visits per quarter via Scapia app
~₹4,000/yr value
Scapia Travel Benefits
Zero forex markup on international transactions; travel deals on Scapia app
~₹5,000/yr value
Fraud Protection
Zero liability on fraudulent transactions
~₹1,000/yr value
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the BOBCARD (Bank of Baroda) website.
| Annual Fee | Lifetime Free |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Scapia BOBCARD Credit Card.
Ready to apply for Scapia BOBCARD Credit Card?
Apply directly on the BOBCARD (Bank of Baroda) website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.