Most people have a credit card. Most people also want to travel more. The Scapia Co-branded Credit Card was built around that gap — spend on the card, earn Scapia Coins, redeem them for travel, all inside the same app. If you're a BOBCARD holder, here's how that works for you.
Choosing your card: Visa or RuPay
When you sign up for the Scapia BOBCARD Credit Card, you pick the card network that works best for you: Visa or RuPay.
The Visa card earns you 10% Scapia Coins on eligible everyday spends. Dining, groceries, shopping, and other eligible spends. The RuPay card, on the other hand, earns 5% Scapia Coins on eligible transactions of ₹500 or more. The RuPay card can be used to make UPI transactions across all UPI apps as well as Scapia Pay, making it a great option if that is your preferred mode of payment.
Whichever you choose, you get 20% rewards back in Scapia Coins when you book travel through the Scapia app – across Flights, hotels, trains, buses, experiences, Visas, and the Scapia Store.
What Scapia Coins are worth
5 Coins = ₹1. There is no minimum threshold before you can use them or ceiling on how many coins you can accumulate. When you book on the app, your Coins show up at checkout and you decide if you would like to redeem your Scapia Coins – even up to 100% of the booking value if you have enough.
Your earn rewards in the form of Scapia Coins on all transactions except the following:
| Scapia card bill payments | Fuel |
| Late fee or any other credit card charge | Rent payments |
| ATM cash withdrawals | Forex transactions |
| Loading e-wallets | Crypto transactions |
| Education and school fees | Gift cards |
| Insurance premiums | Utility & telecom bills above ₹20,000/month |
No forex markup when you spend abroad
International transactions on most cards quietly add 2–3.5% to every charge. While it’s easy to overlook forex markups on a statement, it could compound fast across a week of travel.
The Scapia BOBCARD Credit Card charges no forex markup. So whether you’re booking from an international website or swiping at a shop overseas, you pay what the merchant charges you without any fee on top.
Read more about Zero Forex Markup
Airport Privileges: spend your time at the airport the way you want to
Complimentary lounge access is a common card perk. The question is whether it's actually what you want every time you fly.
Airport Privileges gives you the option. On domestic flights you can choose to walk into a complimentary lounge, or spend at the airport restaurant, store, or spa of your choice and get up to ₹1,000 back in Scapia Coins at metro airports (₹500 at non-metro).
To unlock Airport Privileges, spend ₹20,000 in the billing cycle before your trip. Privileges kick in from your next statement date. Activate through the Scapia app before you spend at the airport — it doesn't apply retroactively.
Flying internationally? Book a flight worth ₹50,000 or more on the Scapia app and get ₹2,000 in Scapia Coins back when you dine or shop at international departure terminals in India.
Full details on how Airport Privileges work
The Scapia app: cards, UPI payments, Coins, travel bookings, and more – in one place
The Scapia app is where you book travel and redeem your Coins. Domestic and international flights, hotels, trains, buses, experiences, visas for 40+ countries, and travel essentials on the Scapia Store — it's a full travel platform, not just a redemption portal.
The app has a lot more to offer – you can also transact on UPI, convert your spends into EMIs, manage your card settings, pay all your credit card bills, and more!
Zero joining fees. Zero annual fees.
There's no cost to getting the Scapia BOBCARD Credit Card. No joining fee, no annual fee. The rewards come from spending you're already doing — the card just makes that spending count for something more.
Quick summary
- 10% Scapia Coins on eligible Visa everyday spends; 5% on eligible RuPay/UPI transactions of ₹500+; 20% on all travel booked through the Scapia app
- Zero forex markup on every international transaction
- Airport Privileges — lounge or airport spend reimbursement, your call, every time you fly
- UPI on credit via RuPay, global acceptance via Visa
- Zero joining fees and Zero annual fees
