BOBCARD Scapia Credit Card

Joining feeAnnual fee

₹0ZERO

Add-on card fee

Currently Add-on facility is not offered.

Reward rate

10% rewards on all offline and online spends on select categories on Visa card of minimum ₹20; 5% rewards on all offline, online and UPI spends on the Rupay card of minimum ₹500

Travel earning

20% rewards on all your travel bookings via the Scapia app.

Reward exclusions

Categories which are not eligible for rewards are wallet load, education services, fuel, government services, professional services, real estate, rentals, business services, insurance and utilities.

Catalogue redemption

5 Scapia Coin = ₹1 (redemption against Flights & Hotel/Stay, Bus Bookings and any other services on Scapia App)

Flight redemption

Use Scapia Coins to book flights.

Hotel redemption

Use Scapia Coins to book stays.

Redeeming points for travel

Scapia Coins can be redeemed for travel on Scapia.

Point expiry

Scapia Coins have 36 months validity (nullified if the BOBCARD Scapia Credit Card is not used for more than 365 days)

Domestic lounge access

Unlock the VIP life by spending just ₹20,000 a month and enjoy unlimited domestic lounge access with airport privileges up to ₹1000

Hotel or travel programme

International Airport privileges up to ₹2000 at international terminal for international bookings more than ₹50,000 made on Scapia app

Fuel surcharge waiver

Enjoy a 1% fuel surcharge waiver at petrol pumps across India for any fuel transaction up to ₹5,000

Purchase to EMI conversion

No cost EMIs: Travel Now, Pay Later.

Forex markup

0%

Cash advance fee

2.5% of amount withdrawn or ₹500 whichever is higher.

Interest on unpaid balance

45% p.a. (3.75% per month) from date of transaction.

Interest-free period

Up to 50 days of no interest with a billing cycle of 30 days & payment period of 20 days (including grace period)

Late payment fee

Less than ₹100: 0 · ₹100 – ₹500: ₹100 · ₹501 to ₹1000: ₹400 · ₹1001 to ₹10000: ₹750 · ₹10001 to ₹25000: ₹950 · ₹25001 to ₹50000: ₹1100 · More than ₹50000: ₹1300.

Over-limit fee

2.5% of the amount over & above the sanctioned credit limit or ₹500, whichever is higher. Overlimit upto 10% of credit limit

Payment return or dishonour fee

2% of the payment amount subject to min of ₹350 per instance

Statement or duplicate statement fee

₹25 per Bill

Card replacement fee

₹200/- per card

Cash payment / cash deposit fee

₹250 for every Cash payment.

Cheque payment / dishonour fee

₹100 for every Cheque payment.

Reward redemption fee

No Fee

Wallet load charge

Spends on wallet load will attract a convenience fee of 1% + applicable GST (max ₹3,000 per transaction)

What the card's fee or benefit year means

Card Anniversary year is considered from the Card issuance date

Fuel transaction fee

Fuel spends (MCC 5172, 5541, 5542,5983) of ₹50,000 or more in a month will attract a convenience fee of 1% + applicable GST (max ₹3,000 per transaction)

Rent transaction fee

Convenience fee of 1% + applicable GST on spends on rent (max ₹3,000 per transaction Merchant Category Code or MCC 6513)

Utility transaction fee

Utility Transactions (MCC code: 4900) of ₹50,000 or more in a month will attract a convenience fee of 1% + applicable GST (max ₹3,000 per transaction)

GST note

18% (applicable on all fees, interest & other charges)

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

100% of (all Fees/Charges + Finance Charges + GST + EMI amount) + 2% of (Retail Spends + Cash Advance), or ₹200 whichever is higher

Minimum age

Minimum 21 years and Maximum 60 years

Documents required

The application journey is fully digital and you may not need to upload any documents; PAN (mandatory), Aadhaar used for digital verification, address verified digitally via Aadhaar.

Residency

Indian resident