Confused b/w Scapia and BOBCARD Eterna? I’ll help you choose.
Scapia is a lifetime free credit card primarily designed for travellers.
While Eterna is more like a premium lifestyle card.
Let’s compare the both cards to find out the best card for you.
Quick Verdict ⚡️
| Your Profile | Pick | Why |
|---|---|---|
| Air traveller & forex spender | Scapia | 4% return on travel + Zero forex (no cap) |
| Mix spender | BOBCARD Eterna | 3.75% return — online / dining / travel |
Quick Comparison
| Feature | Scapia | BOBCARD Eterna |
|---|---|---|
| Card type | Entry-level travel | Mid-premium cashback / lifestyle |
| Issuers | Axis Bank Federal Bank BOBCARD | BOBCARD |
| Network | Visa, Mastercard, RuPay | Visa, Mastercard, RuPay |
| Joining fee | ₹0 — lifetime free | ₹0 (for limited period) |
| Annual fee (year 2+) | ₹0 — lifetime free | ₹2,499 + GST |
| Base reward rate | 2% (Visa) / 1% (RuPay) | 0.75% |
| Accelerated reward rate | 4% (app travel bookings) | 3.75% (dining / travel / online / intl.) |
| Reward Cap | No cap | Up to 5000 RP / month |
| Redemption | Travel bookings & merchandise via Scapia app | Statement credit |
| Domestic lounge | Unlimited, ₹20K spend/month | Unlimited, ₹75K spend / quarter |
| Movie Benefit | – | BOGO Movie tickets up to ₹250/month |
| Fitpass Pro | – | 12-months membership |
| Forex markup | 0% | 2% + GST |
| Min. income | Not publicly specified | ₹12L p.a.+ |
| Best For | Zero forex & lounge access | Regular online spends |
| Apply | Apply Scapia Card → | Apply BOBCARD Eterna → |
🎁 Limited Period Offer: Apply VISA variants and get up to ₹750 Amazon Pay gift card (valid till Oct 31, 2026).
Annual Fee
| Scapia | Eterna | |
|---|---|---|
| Joining Fee | ₹0 | ₹0 (limited period only) |
| Annual Fee | ₹0 | ₹2,499 + GST |
| Waiver path | NA | ₹2.5L spend in the card-anniversary year |
Scapia wins if you want a lifetime free card.
While with BOB Eterna, you’ll have to bear the load to spend ₹2.5L for annual fee waiver.
Reward Rate (Effective)
| Scapia | Eterna | |
|---|---|---|
| Accelerated reward rate | 4% (Scapia app only) | 3.75% (dining / travel / online / intl.) |
| Travel Aggregators (MMT, Goibibo, etc.) | 2% | 3.75% |
| Base reward rate | 2% | 0.75% |
| UPI Spends | 1% (≥₹500) | 0.75% |
| Reward Cap | None | Accelerated reward up to 5000 RP / statement cycle |
Eterna offers 3.75% rewards across multiple categories, including online shopping, but caps accelerated points at 5,000 RP per cycle (~₹33K spend).
Scapia’s top reward rate applies only to in-app spends, but there’s no capping on reward points earning.
Reward Redemption
| Scapia | Eterna | |
|---|---|---|
| Redeemable for | Travel & merchandise on Scapia app | Statement credit |
| Redemption cap | Up to 100% of booking / order value | No cap |
| Redemption fee | None | None |
Eterna wins because of statement credit.
Scapia locks the coins to its app where you’re left with travel bookings or merchandise. However, the pricing on the Scapia app is competitive.
Lounge Access
| Scapia | Eterna | |
|---|---|---|
| Visits | Unlimited domestic | Unlimited domestic |
| Spend needed | ₹20,000/month | ₹75,000/quarter |
| Extra perk | Free airport shopping / dining / spa up to ₹1,000 | – |
| Intl. lounge | – | – |
Scapia wins with lower spend thresholds and seamless lounge access via its app.
Meanwhile, BOBCARD Eterna recently raised its spending requirement to ₹75K/quarter.
Checkout our list of 11 best credit cards for lounge access — no spend.
Forex Markup
| Scapia | Eterna | |
|---|---|---|
| Fee | Zero | 2% + GST |
| Reward Rate | Nil | 3.75% (capped) |
| Effective return | – | 1.39% |
BOB Eterna effectively pays you 1.39% back (~₹463) on first ~₹33K eligible spends. But after that, you’ll have to pay 2.36% forex markup (inc. GST) on every international spend.
And we often spend lakhs on foreign trips. That’s why Scapia is more preferable for uncapped zero forex spends.
Other Benefits
| Benefit | Scapia | Eterna |
|---|---|---|
| Welcome gift | — | FITPASS Pro membership (12 months) |
| Movie offers | — | BOGO via District (₹250/month cap) |
| Fuel surcharge waiver | 1%, ₹400–5K (capped ₹500) | 1%, ₹400–5K (capped ₹250) |
| Add-on cards | Up to 3, free | Up to 3, free |
| Golf privileges | — | Discontinued (was offered previously) |
| Accident insurance | — | Discontinued 25 Aug 2026 |
If you watch movies every month or go to the gym, go with BOB Eterna without a thought.
Scapia doesn’t offer any lifestyle benefits other than travel.
Final Verdict
Choose Scapia if: You travel often, book via the Scapia app, want zero forex, don’t want any fee
Choose BOBCARD Eterna if: You spend broadly, want flexible cashback, can spend ₹2.5L/year
Choose Both: Scapia for zero forex and airport privileges. Eterna for initial ₹33K spend and lifestyle benefits.
🔒 Safe & Secure via Scapia and BOBCARD
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