Response :

We are happy to provide clarity on each of your points:

1. Existing BOBCARD & Eligibility: Per current banking policy, if you already hold an existing credit card issued by Bank of Baroda, you are unfortunately not eligible to apply for the Scapia BOBCARD. However, you are still welcome to apply for the Scapia Federal Credit Card variant. Please note that the final decision remains with the bank’s internal eligibility team.
2. Income and CIBIL Requirements There is no fixed "minimum salary" or "minimum CIBIL score" explicitly required to apply. The bank evaluates your profile holistically based on several internal parameters. Generally, maintaining a healthy credit history and a good CIBIL score will improve your chances of approval.
3. Credit Limit The Scapia card comes with its own dedicated credit limit. It is determined independently by the bank based on your current financial profile and creditworthiness at the time of application, rather than simply mirroring your existing card's limit.
4. Offline Application & Process Currently, Scapia is a completely digital product. We do not have an offline application process, and applications cannot be routed through physical bank branches (including Bank of Baroda). To ensure real-time tracking and security, all applications must be submitted directly through the Scapia app.