The Scapia Credit Card has quickly become a popular choice among Indian travelers. Recently, Scapia entered into a new partnership with BOBCARD, the credit card subsidiary of Bank of Baroda. This development has not only created buzz but also opened the door for users who were previously rejected to re-apply for the card.
In this article, we break down:
- Scapia Credit Card benefits and drawbacks
- What the Bank of Baroda (BOBCARD) partnership really means
- Who can re-apply and why approval chances may improve
- Lounge access details
- FAQs for complete clarity
Scapia Credit Card & Bank of Baroda: What’s the Real Story?
There has been confusion around whether Bank of Baroda has taken over Scapia. Let’s clarify.
❗ No Takeover — Only a Partnership
- Scapia has not been acquired by Bank of Baroda
- The credit card is now issued in partnership with BOBCARD
- BOBCARD is a wholly owned subsidiary of Bank of Baroda that issues credit cards
👉 This is a co-branded partnership, similar to popular bank–brand credit card collaborations.
Key Benefits of Scapia Credit Card
✅ 1. Unlimited Domestic Airport Lounge Access
- Valid across 60+ airports in India
- Lounge access unlocks after meeting a minimum monthly spend
✅ 2. Zero Forex Markup
- 0% foreign currency markup in 150+ countries
- Ideal for international travel and online global payments
✅ 3. Airport Food & Shopping Cashback
- Get up to ₹1,000 cashback on airport food and shopping spends
✅ 4. Strong Travel Rewards Program
- Earn up to 10% rewards on daily spending
- Rewards are best redeemed for travel bookings
✅ 5. Re-Apply Option After BOBCARD Partnership
- Users who were:
- Rejected earlier
- Offered low limits
- Affected by previous underwriting rules
- 👉 Can now re-apply, as BOBCARD follows a different risk assessment model
Drawbacks of Scapia Credit Card
❌ 1. No International Lounge Access
- Lounge access is limited to domestic airports only
❌ 2. Monthly Spend Condition
- Lounge access unlocks only after:
- Approx. ₹10,000/month (Visa)
- Approx. ₹15,000/month (RuPay)
❌ 3. Travel-Focused Rewards
- Rewards are most valuable for travelers
- Non-travel users may find limited value
❌ 4. New Issuer Transition
- Some users may initially face confusion due to the BOBCARD branding change
Scapia Credit Card: Pros vs Cons Table
| Pros | Cons |
|---|---|
| Unlimited domestic lounge access | No international lounges |
| Zero forex markup | Spend condition applies |
| Airport cashback | Rewards best for travel |
| Strong travel rewards | Limited non-travel benefits |
| Re-apply opportunity | — |
Who Should Re-Apply for Scapia Credit Card?
| User Type | Eligible to Re-Apply? |
|---|---|
| Previously rejected applicants | ✅ Yes |
| Improved credit score | ✅ Yes |
| Increased income | ✅ Yes |
| Rejected under old partner bank | ✅ Yes |
| Existing active Scapia users | ❌ No |
👉 The BOBCARD partnership improves approval flexibility for many users.
Airport Lounge Access Overview
| Feature | Details |
|---|---|
| Lounge Type | Domestic |
| Access Limit | Unlimited |
| Condition | Minimum monthly spend |
| Airport Coverage | 60+ airports |
| International Lounge | ❌ Not included |
Frequently Asked Questions (FAQs)
Q1. Has Bank of Baroda taken over Scapia?
No. Scapia has only partnered with BOBCARD, not been acquired by Bank of Baroda.
Q2. Can I re-apply if my Scapia card was rejected earlier?
Yes. Many previously rejected users can now re-apply due to the new BOBCARD partnership.
Q3. Has lounge access changed after the partnership?
No. Domestic lounge access benefits remain the same, subject to monthly spend criteria.
Q4. Does Scapia offer international lounge access?
No. The card currently provides domestic lounge access only.
Q5. Where should I apply for the Scapia Credit Card?
Apply only through the official Scapia app or app stores. Avoid unofficial WhatsApp links.
Final Verdict
The Scapia BOBCARD Credit Card remains a strong option for frequent domestic travelers. With unlimited domestic lounge access, zero forex markup, and travel-focused rewards, it delivers excellent value for flyers.
The new Bank of Baroda (BOBCARD) partnership adds credibility, operational strength, and—most importantly—a second chance for users who missed out earlier.
If you travel often within India and want a low-cost, high-value travel card, Scapia is still worth considering.
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