BOBCARD Etihad Guest Credit Card vs Scapia Federal Bank Credit Card
How BOBCARD Etihad Guest Credit Card and Scapia Federal Bank Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Scapia Federal Bank Credit Card is lifetime-free, while BOBCARD Etihad Guest Credit Card carries a fee (₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend)). If you won't reliably hit BOBCARD Etihad Guest Credit Card's waiver spend, Scapia Federal Bank Credit Card is the cheaper card to keep.
BOBCARD Etihad Guest Credit Card — better for frequent etihad airways flyers who want a lower-fee co-branded card that earns etihad guest miles on every spend plus international lounge access and a low 1% forex markup.
Scapia Federal Bank Credit Card — better for travellers who want zero forex markup and lounge access at no annual fee.
Side by side
| BOBCARD Etihad Guest Credit CardBOBCARD (Bank of Baroda) | Scapia Federal Bank Credit CardFederal Bank | |
|---|---|---|
| Annual fee | ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend) | Nil — lifetime-free |
| Reward rate | 3 Etihad Guest Miles per ₹100 on Etihad Airways spends; 1 mile per ₹100 on all other domestic and international spends. Welcome: base 2,500 miles, plus a limited-time offer (until 30 Jun 2026) of up to 7,500 bonus miles (5,000 on ₹25,000 + 2,500 on ₹50,000 spend within 60 days). | 20% coins on in-app travel, 10% other (5 coins = ₹1); 0% forex |
| Lifetime-free | No | Yes |
| Network | Visa | Visa |
| Eligibility | Age approx 21-60 years; minimum income approx ₹18 lakh per annum (aggregator-sourced); salaried or self-employed Indian residents | 21–65 yrs (salaried) / 25–65 (self-employed); resident Indian |
| Best for | Frequent Etihad Airways flyers who want a lower-fee co-branded card that earns Etihad Guest Miles on every spend plus international lounge access and a low 1% forex markup. | Travellers who want zero forex markup and lounge access at no annual fee. |
BOBCARD Etihad Guest Credit Card
- 3 Etihad Guest Miles/₹100 on Etihad spends; 1 mile/₹100 on all other domestic and international spends
- 8 domestic (2/quarter) + 4 international (1/quarter) complimentary lounge visits per year
- Low 1% forex markup; complimentary Etihad Guest Silver tier on first transaction within 6 months
Scapia Federal Bank Credit Card
- Lifetime-free — ₹0 joining and ₹0 annual fee (Federal Bank Key Fact Sheet)
- Zero foreign-exchange markup on international spends
- 20% Scapia Coins on in-app travel, 10% on other spends (5 coins = ₹1); domestic lounge access
BOBCARD Etihad Guest Credit Card vs Scapia Federal Bank Credit Card — FAQs
Neither is universally better. BOBCARD Etihad Guest Credit Card suits frequent etihad airways flyers who want a lower-fee co-branded card that earns etihad guest miles on every spend plus international lounge access and a low 1% forex markup. Scapia Federal Bank Credit Card suits travellers who want zero forex markup and lounge access at no annual fee. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Scapia Federal Bank Credit Card is lifetime-free, while BOBCARD Etihad Guest Credit Card carries a fee (₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend)). If you won't reliably hit BOBCARD Etihad Guest Credit Card's waiver spend, Scapia Federal Bank Credit Card is the cheaper card to keep. On rewards, BOBCARD Etihad Guest Credit Card gives 3 etihad guest miles per ₹100 on etihad airways spends (1 mile per ₹100 on everything else), with a low 1% foreign-currency markup. whereas Scapia Federal Bank Credit Card gives zero forex markup plus 10–20% scapia coins on spends — and it's lifetime-free.
Scapia Federal Bank Credit Card is lifetime-free (no fee, ever), while BOBCARD Etihad Guest Credit Card charges ₹2,500 + GST joining and annual fee (annual fee waived on ₹3 lakh annual spend) (waivable on spend).
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.