# BOBCARD Scapia Credit Card

Bank of Baroda (BOBCARD) · Visa. lifetime free · 0% forex · 10 coins / ₹100 everyday (= 2% value back) on spends of ₹20 and above · under ₹20 earns nothing.

verified · checked 9 September 2026 · Source: https://media.bobcard.co.in/media/gj3mfwnu/bobcard-scapia-kfs-1.pdf

## How it earns (2)

- 10 coins / ₹100 everyday (= 2% value back) on spends of ₹20 and above · under ₹20 earns nothing · verified · checked 9 October 2026
- 20 coins / ₹100 on Scapia-App travel (= 4% value back) · verified · checked 9 September 2026

## On gift vouchers

- Gift vouchers earn nothing on this card.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- Likely no coins on gift cards or wallet top-ups (the issuer does not publish this)
- No coins: wallet load, education, fuel, govt, professional services, real estate, rent, business services, insurance, utilities · likely also EMI, crypto, forex (not on the issuer's list)

## Lounges (1)

- Unlimited domestic visits, after ₹20,000 or more spent in the month (raised from ₹10,000 around 27 Feb 2026). No international lounge. · Domestic (operator not named) · domestic · unlimited · checked 9 September 2026

## Fees

- Annual fee: Lifetime free
- Forex markup: Nil
- DCC markup: Not published
- Earns: Scapia Coins · ₹0.2 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/scapia-bobcard