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Scapia Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
BOBCARD Visa Mid

Annual Fee

₹0

Base Rate

10.0%

Reward Type

Points

Overview

The Scapia Credit Card is a Mid credit card issued by BOBCARD on the Visa network. It offers a base reward rate of 10.0% on all spends, with rewards issued as Points(1 pt = ₹0.2).

Annual Fee: Lifetime Free
Eligibility: High CIBIL score is generally expected, but specific criteria are not publicly advertised.

Reward Rates & Cashback Rules

  • MERCHANT – Scapia: 20.0% cashback | via Scapia App ⚠️ Only for flights and hotels booked through the Scapia app.
  • CATEGORY – UPI: 5.0% cashback ⚠️ Applies to the RuPay variant of the card.
  • CATEGORY – Insurance: 0.0% cashback
  • CATEGORY – Utilities: 0.0% cashback
  • CATEGORY – Telecom: 0.0% cashback
  • CATEGORY – Cable: 0.0% cashback
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – International: 0.0% cashback ⚠️ Forex transactions do not earn reward points.

Key Features & Benefits

  • Zero Forex Markup 🌍: 0% foreign currency markup fee on all international transactions.
  • Domestic Lounge Access ✈️: Unlimited domestic lounge access on spending ₹20,000 in a billing cycle.
  • Airport Privileges 🍽️: Access to airport privileges (dining/spa) worth up to ₹1,000 at domestic terminals on spending ₹20,000 in a billing cycle.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver, up to ₹500 per month, on fuel transactions up to ₹5,000.

Eligibility Criteria

High CIBIL score is generally expected, but specific criteria are not publicly advertised.

Features & Benefits

🌍

Zero Forex Markup

0% foreign currency markup fee on all international transactions.

✈️

Domestic Lounge Access

Unlimited domestic lounge access on spending ₹20,000 in a billing cycle.

🍽️

Airport Privileges

Access to airport privileges (dining/spa) worth up to ₹1,000 at domestic terminals on spending ₹20,000 in a billing cycle.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver, up to ₹500 per month, on fuel transactions up to ₹5,000.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Scapia Via Scapia App
Reward: 20.0%
⚠️ Exceptions: Only for flights and hotels booked through the Scapia app.
20%
UPI
Reward: 5.0% Min Spend: ₹500.0
⚠️ Exceptions: Applies to the RuPay variant of the card.
5%
Insurance Exclusion
Utilities Exclusion
Telecom Exclusion
Cable Exclusion
Fuel Exclusion
Rent Exclusion
Wallet Load Exclusion
EMI Exclusion
International Exclusion
⚠️ Exceptions: Forex transactions do not earn reward points.

Value Chart

Assuming basic spends for Scapia Credit Card

Category Scapia Credit Card Axis Bank Privilege Credit Card Samsung Axis Bank Signature Credit Card Vistara Axis Bank Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹0 ₹1500 ₹500 ₹0
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		10.0% 5.0% 5.0% 1.0%
★
Known Rules 		11 rules 7 rules 10 rules 9 rules

Pros & Cons

✓

Pros

  • + Scapia — 20.0% Points
  • + UPI — 5.0% Points
  • + Zero Forex Markup
  • + Domestic Lounge Access
  • + Airport Privileges
  • + Fuel Surcharge Waiver
✗

Cons

  • − No reward on Insurance
  • − No reward on Utilities
  • − No reward on Telecom
  • − No reward on Cable
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹30000

Annual Fee

₹0

Net Value

+₹30000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The Scapia Credit Card is a lifetime free card, which means it has no joining fee and no annual renewal fee.

No, a key feature of the Scapia card is its 0% foreign currency markup fee, making it ideal for international travel and purchases.

5 Scapia Coins are equivalent to ₹1. These coins can be redeemed exclusively on the Scapia app for booking flights and hotels.

You can unlock unlimited domestic lounge access for a billing cycle by spending a total of ₹20,000 or more during that cycle.

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