Bobcard Scapia Credit Card

Lounge access

• Unlimited domestic lounge access on reaching ₹20,000 monthly spends.
• Airport privileges up to ₹1000 on domestic airports.

Verified · Bobcard Scapia Credit Card product page · 2026-08-02 · source

Forex markup

Foreign Currency Mark-up: 0% (Nil).

Verified · BOBCARD Scapia Credit Card – Most Important Terms & Conditions (MITC) · 2026-08-02 · source

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• Cash Advance Fees/ATM Withdrawal Fees: 2.5% of amount withdrawn or ₹500/- whichever is higher.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.

Verified · BOBCARD Scapia Credit Card – Most Important Terms & Conditions (MITC) · 2026-08-02 · source

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.

Verified · BOBCARD Scapia Credit Card – Most Important Terms & Conditions (MITC) · 2026-08-02 · source

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.

Verified · BOBCARD Scapia Credit Card – Most Important Terms & Conditions (MITC) · 2026-08-02 · source

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.

Verified · BOBCARD Scapia Credit Card – Most Important Terms & Conditions (MITC) · 2026-08-02 · source

Official terms

https://www.bobcard.co.in/credit-card-types/bobcard-scapia-credit-card.

Verified · Bobcard Scapia Credit Card product page · 2026-08-02 · source