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Expiry Rescue

Points about to lapse? Pick your card to see the bank's expiry rule and the best way to use them first.

BOB Financial (BOBCARD)

BOBCARD Scapia Credit Card

When your points expire

“Scapia Coins have 36 months validity, except in circumstances detailed below: ● If the BOBCARD Scapia Credit Card is not used for more than 365 days, the accrued Scapia coins will be nullified.”

Bobcard Scapia Tc · read 29 Sept 2026

Remind me before my points expire

BOB Financial (BOBCARD)'s rule: points are valid for 36 months after you earn them, so some can expire every month. The whole balance also lapses if the card isn't used for 12 months. We'll remind you at the start of each month to check what expires and the quickest way to use it.

Add a monthly reminder to my calendar

What your points are worth

  1. On BOB Financial (BOBCARD)’s own portal

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

    The bank’s words
    “Description Value of Scapia Coins For redemption against Flights & Hotel/Stay, Bus Bookings and any other services on Scapia App 5 Scapia Coin = Rs. 1”
    Bobcard Scapia Tc

Quickest way to save them

Use them on BOB Financial (BOBCARD)’s own portal: 5 Scapia Coin = Rs. 1 (redemption against Flights & Hotel/Stay, Bus Bookings and any other services on Scapia App). See the card’s page.