CheQ AU Credit Card
Rs 499Annual fee
Rs 3,00,000Fee waiver spend
0Domestic lounge
3.49%Forex markup
Best for
cheq, travel, upi, utility bills, amazon
Top rewards
Select brands on CheQ (Amazon, Flipkart, Zomato, BigBasket, Apple via Unicorn): 24 CheQ Points per ₹200 spent; CheQ Travel bookings and utility bill payments on CheQ app: 24 CheQ Points per ₹200 spent; Other eligible shopping, food delivery, and online grocery spends: 10 CheQ Points per ₹200 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 | CheQ AU Credit Card | BOBCARD Scapia Credit Card |
|---|---|---|
| Issuer | AU Small Finance Bank | Bank of Baroda |
| Network | Visa, RuPay | Visa, RuPay |
| Joining fee | Rs 499 | Rs 0 |
| Annual fee | Rs 499 | Rs 0 |
| Fee waiver spend | Rs 3,00,000 | - |
| Reward type | CheQ points | scapia coins |
| Best for | cheq, travel, upi, utility bills, amazon | travel, zero forex, lounge, upi, lifetime free |
| Top reward categories | Select brands on CheQ (Amazon, Flipkart, Zomato, BigBasket, Apple via Unicorn): 24 CheQ Points per ₹200 spent; CheQ Travel bookings and utility bill payments on CheQ app: 24 CheQ Points per ₹200 spent; Other eligible shopping, food delivery, and online grocery spends: 10 CheQ Points per ₹200 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 | 0 | Unlimited |
| International lounge | 0 | 0 |
| Forex markup | 3.49% | 0% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 0.25 per point | Air miles: upto Rs 0.2 per point |
| Key exclusions | Fuel purchases, Education spends, Gold purchases, Gambling transactions, Insurance payments, Utility payments made outside the CheQ app | fuel spends, rental payments, educational services and school fees, utility bill payments, telecom, broadband, cable, and communication services, insurance payments |