BOBCARD (Bank of Baroda)
BOBCARD Limited • RBI REGISTERED NBFC • MITC Verified
BOBCARD Limited is the specialized, wholly-owned credit card issuing subsidiary of Bank of Baroda, operating a diverse card portfolio including the popular Scapia co-branded travel card, Premier, and Eterna.
Key Reward: 15 RP per ₹100 on travel, dining, online shopping (3.75% value back, capped at 5,000 bonus RP/mo); 3 RP per ₹100 base (0.75%, 1 RP = ₹0.25). 4 domestic lounge visits/quarter (strictly gated by ₹75,000 previous-quarter spend). Unlimited golf. 2.0% forex markup. 10,000 bonus RP on ₹5L annual spend.
Key Reward: 5X RP (5 RP / ₹100, 1.25% value back) on dining, online shopping, utilities (capped at 1,000 bonus RP/mo); 1 RP / ₹100 base (0.25%, 1 RP = ₹0.25). 1,000 bonus RP on spending ₹10,000 in a month. Zero lounge access. 3.5% forex markup.
Key Reward: 10 RP per ₹100 on travel, dining, international spends (2.50% value back, capped at 2,000 bonus RP/mo); 2 RP per ₹100 base (0.50%, 1 RP = ₹0.25). 1 domestic lounge visit/quarter (strictly gated by ₹20,000 previous-quarter spend). 3.5% forex markup.
Key Reward: 5X RP (5 RP / ₹100, 1.00% value back) on grocery, department stores, movies (capped at 1,000 bonus RP/mo); 1 RP / ₹100 base (0.20% value back, 1 RP = ₹0.20 for statement credit). Zero lounge access. 3.5% forex markup.
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 10 RP per ₹100 on apparel, department stores, dining, grocery (2.50% value back, capped at 1,000 bonus RP/mo); 2 RP per ₹100 base (0.50%, 1 RP = ₹0.25). 2 domestic lounge visits/quarter (unconditional). Complimentary FITPASS Pro or Amazon Prime on ₹1L spend. 3.5% forex markup.
Key Reward: 15 RP per ₹100 on travel, dining, overseas (3.75% value back, capped at 2,500 bonus RP/mo); 3 RP per ₹100 base (0.75%, 1 RP = ₹0.25). 3 domestic lounge visits/quarter (12/yr) + 2 international visits with Priority Pass. 2.0% forex markup.
Key Reward: 5 RP per ₹100 on grocery, fuel, movies (1.25% value back, capped at 1,000 bonus RP/mo); 1 RP / ₹100 base (0.25%, 1 RP = ₹0.25). Zero lounge access. 3.0% forex markup.
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 15 RP per ₹100 on travel, dining, international spends (3.75% value back, capped at 5,000 bonus RP/mo); 3 RP per ₹100 base (0.75%, 1 RP = ₹0.25). 4 domestic lounge visits/quarter (strictly gated by ₹75,000 previous-quarter spend). ₹1,000 lifestyle voucher every quarter on ₹1L spend. 2.0% forex markup.
Key Reward: 6 Etihad Guest Miles per ₹100 on Etihad.com bookings; 2 miles per ₹100 base retail. 0% zero forex markup. 12 domestic + 8 international lounge visits/year with Priority Pass. Instant Etihad Guest Gold tier.
Key Miles: 3 Etihad Guest Miles per ₹100 on Etihad.com bookings; 1 mile per ₹100 base retail. 1.0% low forex markup. 8 domestic + 4 international lounge visits/year with Priority Pass. Instant Etihad Guest Silver tier.
Key Cashback: Flat 5% direct cashback on online spends (Amazon, Flipkart, Swiggy, Zomato, etc., capped at ₹1,500/month); 1% cashback on offline retail. Direct statement credit. Zero lounge access. 3.5% forex markup.
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 5 RP per ₹100 on grocery, utilities, dining (1.25% value back, capped at 1,000 bonus RP/mo); 1 RP / ₹100 base (0.25%, 1 RP = ₹0.25). Zero lounge access. 3.0% forex markup.
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 20% Scapia Coins on Scapia app travel bookings (4% value back); 10% on general retail (2% value back, 5 Coins = ₹1). 0% zero forex markup. Unlimited domestic lounge visits (gated at ₹20,000 monthly retail spend). Zero coins on utility & insurance.
Key Reward: 2 Reward Points per ₹100 spent
Key Advantage: Affordable annual fee with 2 quarterly airport lounge visits
Key Advantage: Eco-friendly RuPay Select debit card with ₹5 Lakh daily spend limit and international lounge access