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Bank of Baroda

BOB Card Scapia

TravelRuPay

A lifetime-free Bank of Baroda co-brand travel card on RuPay that earns up to 20% back as Scapia Coins on travel bookings, 10% on other spends, charges 0% foreign exchange markup, and bundles unlimited domestic airport lounge access on meeting spend requirements.

Joining fee

₹0

Annual fee

₹0

Rewards

20% on travel, 10% on other spends

Best for

Frequent travellers who want zero fees and zero forex

Applications are assessed by the issuing bank. CardPower does not approve applications or guarantee eligibility.

BOB Card Scapia card design

Key benefits

  • Earn 20% back as Scapia Coins on eligible travel bookings through the Scapia app
  • Earn 10% back as Scapia Coins on eligible general online and offline spends
  • Scapia Coins redemption: 5 Scapia Coins = ₹1
  • 0% foreign exchange markup on international transactions
  • Unlimited domestic airport lounge access when the applicable spending requirement is met
  • 1% fuel surcharge waiver on eligible fuel transactions up to ₹5,000, subject to applicable monthly limits
  • No-cost EMI options on eligible travel bookings through the Scapia app
  • RuPay-powered UPI linkage for seamless scan-and-pay on credit

Fees & charges

Joining fee
₹0 (lifetime free)
Annual / renewal fee
₹0 (lifetime free)
Lifetime free
Yes
Foreign exchange markup
0%
Cash withdrawal fee
2.5% of amount or ₹500, whichever is higher
Card replacement fee
₹200 + GST
Interest rate
As per issuer schedule of charges

Eligibility

  • Indian resident aged 21 or above
  • Salaried or self-employed with stable income
  • Approval subject to Bank of Baroda / Scapia checks

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