BOBCARD Etihad Guest Premium Credit Card
Rs 5,000Annual fee
Rs 5,00,000Fee waiver spend
12Domestic lounge
Domestic lounge conditions
- 12 complimentary domestic airport lounge visits per calendar year (limited to 3 visits per quarter).
- Access is powered by the DreamFolks web-access portal and requires card tokenization and generating a QR code.
- A cooling-off period of 5 hours applies between consecutive visits at the same lounge outlet.
- 8 complimentary international airport lounge visits per calendar year (limited to 2 visits per quarter) via DreamFolks web-access portal or Priority Pass.
0%Forex markup
Best for
travel, etihad, flights, lounge, zero forex
Top rewards
Etihad Airways spends: 6 Etihad Guest Miles / Rs 100 spent; Other eligible spends: 2 Etihad Guest Miles / Rs 100 spent
BOBCARD Scapia Credit Card
Rs 0Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited domestic airport lounge access requires a minimum spend of Rs 20,000 in the preceding calendar month.
- Effective February 27, 2026, insurance spends (MCC 6300) and utility transactions (including telecom, internet, cable, and communication services under MCC 4900, 4812, 4814, 4816, and 4899) are excluded from earning Scapia Coins and do not count towards the domestic lounge spend milestone.
0%Forex markup
Best for
travel, zero forex, lounge, upi, lifetime free
Top rewards
Travel bookings on Scapia app: 20% Scapia Coins; Visa online and offline spends: 10% Scapia Coins; UPI spends of Rs 500 or more on RuPay: 5% Scapia Coins
| Feature | BOBCARD Etihad Guest Premium Credit Card | BOBCARD Scapia Credit Card |
|---|---|---|
| Issuer | Bank of Baroda | Bank of Baroda |
| Network | Visa | Visa, RuPay |
| Joining fee | Rs 5,000 | Rs 0 |
| Annual fee | Rs 5,000 | Rs 0 |
| Fee waiver spend | Rs 5,00,000 | - |
| Reward type | etihad guest miles | scapia coins |
| Best for | travel, etihad, flights, lounge, zero forex | travel, zero forex, lounge, upi, lifetime free |
| Top reward categories | Etihad Airways spends: 6 Etihad Guest Miles / Rs 100 spent; Other eligible spends: 2 Etihad Guest Miles / Rs 100 spent | Travel bookings on Scapia app: 20% Scapia Coins; Visa online and offline spends: 10% Scapia Coins; UPI spends of Rs 500 or more on RuPay: 5% Scapia Coins |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 12 | Unlimited |
| International lounge | 8 | 0 |
| Forex markup | 0% | 0% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Not listed | Air miles: upto Rs 0.2 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities spends, Government services spends | fuel spends, rental payments, educational services and school fees, utility bill payments, telecom, broadband, cable, and communication services, insurance payments |