BOBCARD Scapia Credit Card: rewards, caps and exclusions

What it earns

≈ marks a rate paid in points, valued at ₹0.2 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

• Money transfers
• Rent
• Cash withdrawals and fees
• EMI conversions
• Education fees
• Gift cards
• Utility bills
• Insurance premiums
• Fuel
• Wallet loads
• Government payments

What costs extra

Worse than earning nothing: Bank of Baroda charges a fee for these.

• 1% on Fuel convenience fee, plus GST
• 1% on Utility convenience fee, plus GST
• 1% on Rent convenience fee, plus GST
• 1% on Wallet load convenience fee, plus GST

Fees

• Annual fee: none
• Joining fee: none

Where this comes from

Transcribed from Bank of Baroda's own documents and checked against them on 4 November 2026:

• product page, bobcard.co.in
• media.bobcard.co.in (PDF)
• BOBCARD Scapia KFS, media.bobcard.co.in (PDF)
• BOBCARD Scapia MITC, media.bobcard.co.in (PDF)

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with Bank of Baroda's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

We know this card's rules, but we don't read Bank of Baroda's mail yet, so the audit can't check your swipes on it. Which banks we read

Other Bank of Baroda cards

Every card we have rules for