BOBCARD Scapia Credit Card
BOBCARD Limited
A free, zero-forex travel card, best paired with the Scapia app for the headline 20% rate.
Free
Joining fee
Free
Annual fee
0%
Forex markup
4.3 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Income/CIBIL thresholds not disclosed by aggregators. General guidance: if a prior application was rejected, wait 3-6 months before reapplying.
Key features
- 20% rewards on Scapia-app travel bookings
- 10% on select Visa categories, 5% RuPay
- Genuinely zero forex
- Zero fees
Reward details
10 Scapia Coins per Rs 100 (~2%) on other eligible spends
- 20 Scapia Coins per Rs 100 (~4%) on Travel bookings via the Scapia app
Redemption
Scapia Coins redeemable only for travel bookings within the Scapia app; no cashback or other-partner redemption option.
Ratio: 5 Scapia Coins = Rs 1
Excluded from rewards: International transactions earn no Scapia Coins
- Domestic lounge access requires a valid boarding pass plus a QR code generated via the Scapia app; activation takes 3-5 working days after the spend threshold is met.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Especially attractive for international travelers given the zero forex markup; lifetime free with a strong headline travel reward rate. — CardInsider/Paisabazaar
Complaints
- Reports that 'the bank is not approving any application only for Scapia' in some cases; geographic service gaps reported (e.g. Vadodara); redemption limited strictly to Scapia app travel bookings with no cashback alternative. — CardInsider
Sources
- Aggregator — fees, forex, sentiment
- Aggregator — eligibility, lounge, rewards, sentiment
- Official (blocked when last checked) — none — robots.txt/certificate error