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BoB
Signature
•••• •••• •••• 0000
Scapia Signature
VISABank of Baroda • Visa• Signature
Annual Fee
Free
Base Reward Rate
2.00%
Foreign Tx Fee
0%
Tier
Signature
Joining Fee
Free
Verified
2026-05-28
Domestic & international access details and eligibility criteria
⚠️ Activation: ₹20,000 per month
**Unlimited** domestic airport lounge visits while eligible. Activation: spend ₹20,000 in PREVIOUS billing cycle (CardMaven authoritative — was ₹10K in DB). Excluded from activation calc: utilities, insurance, fuel, rent, wallet loads. No international lounge access. Alternative Airport Privileges program offers ₹1,000 dining/shopping per domestic trip.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹11,040
Blended 1.77% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
BOBCARD Scapia (Visa). LTF — ₹0 joining/annual. Base 10 Scapia Coins/₹100 = 2% (1 Coin = ₹0.20). 20 Coins/₹100 (4%) on travel booked via Scapia app. RuPay variant: 5 coins/₹100 (1%) on UPI. Unlimited dom lounge (Visa) on ₹10K/month (Visa) or ₹15K (RuPay) activation. Excluded: Rent, education, gift cards, fuel, govt, wallet, utilities, insurance. Airport: 100% back on dining/shopping up to ₹1,000 dom/₹2,000 intl per trip. 0% forex. (Note: most reviews cover Federal Bank Scapia; mechanics likely identical for BOB-issued variant.)
Excluded categories