Bobcard Scapia Credit Card
BOBCARD
Annual / renewal fee
- ₹0 (Nil).
- Annual Membership Fees/Cancellation Fee: Nil.
VerifiedBOBCARD Scapia Credit Card – Key Fact Statement (KFS)3 Aug 2026, 4:30 AM ISTBOBCARD
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at bobcard.co.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at bobcard.co.in — if a different card is shown first, use its card selector to pick this one.
Overview
Bobcard Scapia Credit Card by BOBCARD. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹0 (Nil).
VerifiedBOBCARD Scapia Credit Card – Key Fact Statement (KFS)3 Aug 2026, 4:30 AM ISTBOBCARD
Annual / renewal fee
- ₹0 (Nil).
- Annual Membership Fees/Cancellation Fee: Nil.
VerifiedBOBCARD Scapia Credit Card – Key Fact Statement (KFS)3 Aug 2026, 4:30 AM ISTBOBCARD
Fee waiver
Confirm on the official page
Official source not yet captured
Rewards
Not published in the official documents on file — see the official T&C link below.
Travel & lounge
Lounge access
- Unlimited domestic lounge access on reaching ₹20,000 monthly spends.
- Airport privileges up to ₹1000 on domestic airports.
VerifiedBobcard Scapia Credit Card product page3 Aug 2026, 4:30 AM ISTBOBCARD
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Eligibility
- Card is to be used only for personal use, not for business or funding of commercial activity.
- Valid for use in India and abroad, but not valid for foreign currency transactions in Nepal and Bhutan.
- Cannot be used for items prohibited by law such as cryptocurrency.
- Customers holding the BOBCARD Scapia credit card are ineligible for any proprietary offers associated with the BOBCARD program.
VerifiedBOBCARD Scapia Credit Card – Most Important Terms & Conditions (MITC)3 Aug 2026, 4:30 AM ISTBOBCARD
Charges & interest
Forex markup
Foreign Currency Mark-up: 0% (Nil).
VerifiedBOBCARD Scapia Credit Card – Most Important Terms & Conditions (MITC)3 Aug 2026, 4:30 AM ISTBOBCARD
Charge
- Card Reissuance/Replacement Fees: ₹200/- + GST.
- Cash Advance Fees/ATM Withdrawal Fees: 2.5% of amount withdrawn or ₹500/- whichever is higher.
- Late Payment Charges by statement balance: <₹100 = Nil.
- ₹100-₹500 = ₹100.
- ₹501-₹1000 = ₹400.
- ₹1001-₹10000 = ₹750.
- ₹10001-₹25000 = ₹950.
- ₹25001-₹50000 = ₹1100.
- >₹50000 = ₹1300.
- Overlimit charges: 2.5% of overlimit amount, min ₹500/-.
- Utility transactions over ₹50,000 in a month: convenience fee 1% + GST (max ₹3,000 per transaction).
- Rent and wallet load: convenience fee 1% + GST (max ₹3,000 per transaction).
- Fuel spends over ₹50,000 in a month: convenience fee 1% + GST (max ₹3,000 per transaction).
- Dishonour of Auto Debit: 2% of payment amount, min ₹450/-.
- Service charges levied for transactions: Nil.
- EMI Processing Fee: 1% or ₹99/- whichever is higher + GST.
- EMI foreclosure charge: 2% + GST (min ₹100/-) on remaining principal.
- Interest Rate for Revolving Credit: 45% p.a. (3.75% per month) from date of transaction.
- Interest Rate for Cash Advances/Withdrawals: 45% p.a. (3.75% per month) from date of withdrawal (no interest free period for cash).
- Overdue Interest Charges: 45% p.a. (3.75% per month).
- Interest Rate for EMI Transactions: 16% p.a.
VerifiedBOBCARD Scapia Credit Card – Most Important Terms & Conditions (MITC)3 Aug 2026, 4:30 AM ISTBOBCARD
Fuel surcharge waiver
- 1% fuel surcharge waiver for transactions up to ₹5000 (max waiver ₹500 per month).
- Fuel spends over ₹50,000 in a month attract a convenience fee of 1% + GST (max ₹3,000 per transaction).
- Fuel transactions do not earn Reward Points.
VerifiedBOBCARD Scapia Credit Card – Most Important Terms & Conditions (MITC)3 Aug 2026, 4:30 AM ISTBOBCARD
Interest-free period
- Up to 50 days of no interest (billing cycle of 30 days plus payment period of 20 days including grace period).
- Interest free credit period could range up to 47 days.
VerifiedBOBCARD Scapia Credit Card – Most Important Terms & Conditions (MITC)3 Aug 2026, 4:30 AM ISTBOBCARD
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Bobcard Scapia Credit Card?
Officially traced: Rs. 0 (Nil).
BOBCARD Scapia Credit Card – Key Fact Statement (KFS)What is the joining fee on the Bobcard Scapia Credit Card?
Officially traced: Rs. 0 (Nil).
BOBCARD Scapia Credit Card – Key Fact Statement (KFS)What lounge access does the Bobcard Scapia Credit Card include?
Unlimited domestic lounge access on reaching Rs. 20,000 monthly spends.
Bobcard Scapia Credit Card product pageWhat are the transfer ratios for Bobcard Scapia Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the Bobcard Scapia Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.bobcard.co.in/credit-card-types/bobcard-scapia-credit-card.
VerifiedBobcard Scapia Credit Card product page3 Aug 2026, 4:30 AM ISTBOBCARD
Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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