BOBCARD
BOBCARD Scapia Credit Card
Best for travel, lifetime free, zero forex markup
Lifetime free · 2x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
Lifetime free
Reward rate
2x
Min. income
₹3,00,000
Forex markup
0%
Lounge access
Yes
Eligibility
₹3 lakh/yr · CIBIL 700+
Reward cap
No published cap
Welcome benefit
None beyond the reward rate
Who is this for
- Frequent traveller
- International traveller
What we like
- Lifetime free
- Zero forex markup
- Unlimited domestic lounge
Watch out for
- Rewards best unlocked via Scapia ecosystem
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹0 | Not waivable |
| Forex markup | 0% | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| TRAVEL | 20.00 | — | 1.00 |
| All spends | 2.00 | — | 1.00 |
Benefits
-
Lifetime free Highlight
No joining or annual fee
-
Zero forex markup Highlight
Zero foreign currency markup
-
Unlimited lounge access Highlight
Unlimited domestic lounge access
-
Travel rewards
Up to 20% on travel via Scapia app
Eligibility
- Age
- 21–60 years
- Min. income
- ₹3,00,000
- Min. credit score
- 700+
- Score note
- Stable income with good credit
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips / ITR, bank statements, address proof
BOBCARD Scapia Credit Card is a Visa lifetime-free co-brand card from Bank of Baroda and Scapia, with zero forex markup, unlimited domestic lounge access and up to 20% rewards on travel.
Fees and rewards
- Annual fee: Nil (lifetime free)
- Joining fee: Nil
- Rewards: Up to 20% on travel via Scapia; 2% on all other spends
Eligibility
PAN, Aadhaar, latest salary slips / ITR, bank statements, address proof
Card data compiled from issuer published fee schedules. Status: active.
Apply for BOBCARD Scapia Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
You may also like
Cards with similar benefits, rewards, or eligibility requirements.
Frequently asked questions
Is the BOBCARD Scapia Credit Card worth it?
What is the annual fee for the BOBCARD Scapia Credit Card?
How does the BOBCARD Scapia Credit Card reward rate work?
What are the eligibility requirements for the BOBCARD Scapia Credit Card?
Does the BOBCARD Scapia Credit Card offer airport lounge access?
← All credit cards · All BOBCARD cards · All Visa cards
Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
FinWiz24 may earn a commission from issuer referral links, at no extra cost to you. Our editorial content is independent and not influenced by compensation.