Check Scapia Credit Card fees and charges, including annual fee, cash withdrawal, late payment, replacement, overlimit and EMI charges.
Apply for the Scapia Credit Card
Zero Forex Markup on international spends, unlimited domestic lounge access, and Lifetime Free guarantee.
The Scapia Credit Card currently has no joining and annual membership fees. However, certain transactions and services can attract separate charges, interest and applicable GST.
These charges include cash withdrawal fees, late payment charges, card replacement charges, overlimit charges and EMI-related fees. Understanding these costs can help you use the card without unexpected expenses.
Scapia Credit Card Fees and Charges – Quick Answer
Here are the main Scapia Credit Card fees and charges covered by the available card terms:
| Fee or charge | Applicable amount |
|---|---|
| Joining fee | Nil |
| Annual membership fee | Nil |
| Card replacement/reissuance | ₹200 + GST |
| Cash advance fee | 2.5% or ₹500, whichever is higher |
| Revolving interest | 45% p.a. / 3.75% per month |
| Overlimit charge | 2.5% of overlimit amount, minimum ₹500 |
| Foreign currency markup | 0% |
| EMI processing fee | 1% or ₹99, whichever is higher + GST |
| EMI foreclosure fee | 2% + GST, minimum ₹100 |
The applicable terms and charges can change. Check the latest terms before relying on any fee or charge for a financial decision.
Scapia Credit Card Joining Fee and Annual Fee
The Scapia Credit Card has no joining fee and no annual membership fee under the available card terms.
This means you do not have to pay a standard fee simply for receiving or continuing to hold the card.
However, a zero annual fee does not mean every card service or transaction is free. Charges can apply when you use specific facilities or when certain payment conditions are not met.
You can also read our Scapia Credit Card benefits guide to understand the card’s main features.
Scapia Credit Card Cash Withdrawal Charges
Cash withdrawals through an ATM are treated differently from regular card purchases.
The cash advance fee is 2.5% of the withdrawn amount or ₹500, whichever is higher, plus applicable GST.
Cash withdrawals also attract interest at 45% per annum or 3.75% per month, starting from the date of withdrawal. There is no interest-free period for cash advances.
For example, if you withdraw ₹10,000, 2.5% would be ₹250. Since the minimum charge is ₹500, the applicable cash advance fee would be ₹500 plus GST.
For more details, see our Scapia ATM withdrawal charges guide.
Scapia Credit Card Late Payment Charges
Late payment charges depend on the outstanding amount.
| Outstanding amount | Late payment charge |
|---|---|
| Less than ₹100 | Nil |
| ₹100 to ₹500 | ₹100 |
| ₹501 to ₹1,000 | ₹400 |
| ₹1,001 to ₹10,000 | ₹750 |
| ₹10,001 to ₹25,000 | ₹950 |
| ₹25,001 to ₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
Applicable GST can also apply to the relevant charges.
Paying your total amount due by the payment due date can help you avoid late payment charges and applicable finance charges.
For payment options and repayment information, read our Scapia Credit Card bill payment guide.
Scapia Credit Card Interest Charges
The available card terms specify a revolving interest rate of 45% per annum, equivalent to 3.75% per month.
Interest can apply when the required outstanding amount is not paid according to the applicable terms.
The interest-free period for eligible retail purchases can be up to 50 days, subject to the stated conditions. This benefit depends on paying previous dues in full.
Cash withdrawals are different because they do not receive an interest-free period.
Scapia Credit Card Card Replacement Charges
If your Scapia Credit Card needs to be replaced or reissued, a charge of ₹200 plus GST applies under the available card terms.
This charge is separate from the joining and annual membership fees.
If your card is lost or stolen, report it immediately through the applicable card support channel to help prevent unauthorised usage.
Scapia Credit Card Overlimit Charges
An overlimit charge can apply when your outstanding amount exceeds the assigned credit limit.
The applicable charge is 2.5% of the overlimit amount, subject to a minimum of ₹500.
For example, an overlimit amount of ₹5,000 would result in a 2.5% calculation of ₹125. Since the minimum charge is ₹500, the applicable charge would be ₹500 plus applicable GST.
Avoiding transactions beyond your available credit can help prevent this charge.
If you are interested in understanding your available credit, read our Scapia Credit Limit Increase guide.
Scapia Credit Card EMI Charges
The available terms specify an EMI interest rate of 16% per annum for the stated EMI tenures.
An EMI processing fee of 1% of the transaction amount or ₹99, whichever is higher, plus applicable GST, can apply.
For EMI foreclosure, the applicable charge is 2% plus GST, subject to a minimum of ₹100.
The available terms also state that EMI transactions are to be enabled soon. Therefore, you should check the latest availability and applicable conditions before relying on these EMI terms.
Scapia Credit Card Forex Charges
The foreign currency markup is 0% under the available card terms.
This means there is no foreign currency markup charge specified for eligible foreign currency transactions.
However, zero forex markup should not be confused with every possible international transaction being free. ATM cash withdrawals and other transaction-specific charges can have separate conditions.
Read our Scapia Credit Card forex guide for more information.
Other Transaction-Based Charges
Some card transactions can attract additional charges based on the transaction category.
The available card terms specify the following charges:
- Rent payments: 1% plus GST, subject to the stated maximum per transaction.
- Wallet loading: 1% plus GST, subject to the stated maximum per transaction.
- Utility transactions above ₹50,000 in a month: 1% plus GST, subject to the stated maximum per transaction.
- Fuel transactions above ₹50,000 in a month: 1% convenience fee plus GST, subject to the stated maximum per transaction.
The terms specify a maximum charge of ₹3,000 per transaction for these applicable categories.
Fuel transactions also do not earn reward points under the available card terms.
GST on Scapia Credit Card Fees
GST applies to applicable fees, interest and charges.
Therefore, when calculating the final cost of a charge, do not look only at the base fee. The applicable tax can increase the amount that appears on your statement.
For example, a card replacement charge stated as ₹200 plus GST will result in a final amount higher than ₹200.
Are Scapia Credit Card Rewards Affected by Fees?
Fees and rewards are separate parts of your card account.
A transaction can potentially qualify for rewards while separate charges may apply to another transaction or service. Likewise, certain transactions do not qualify for rewards under the applicable terms.
If rewards are important to you, read our Scapia Credit Card rewards guide before assuming that every transaction earns Coins.
How to Avoid Unnecessary Scapia Credit Card Charges
You can reduce avoidable charges by following a few simple habits:
- Pay your total bill by the due date whenever possible.
- Avoid ATM cash withdrawals unless necessary.
- Keep spending within your available credit limit.
- Check charges before using special card facilities.
- Review your statement regularly.
- Understand the applicable conditions before making large transactions.
- Check whether a transaction qualifies for rewards before spending specifically for rewards.
Using a credit card responsibly is more important than focusing only on its headline benefits.
Scapia Credit Card Fees: What You Should Know
The card’s zero joining and annual fee can make it attractive to users who want to avoid recurring membership costs.
However, other charges can still apply. Cash advances, late payments, overlimit usage, card replacement and EMI services can all involve separate costs.
This makes it important to evaluate the card based on your actual spending and repayment habits rather than the annual fee alone.
FAQs About Scapia Credit Card Fees
-
Does the Scapia Credit Card have a joining fee?
No. The joining fee is zero under the available card terms.
-
Does the Scapia Credit Card have an annual fee?
No. The annual membership fee is zero under the available card terms.
-
What is the Scapia Credit Card cash withdrawal fee?
The cash advance fee is 2.5% of the withdrawal amount or ₹500, whichever is higher, plus applicable GST.
-
What is the Scapia Credit Card late payment charge?
The late payment charge ranges from ₹100 to ₹1,300 depending on the outstanding amount, while an outstanding amount below ₹100 has no late payment charge under the applicable terms.
-
What is the Scapia Credit Card replacement fee?
The card replacement or reissuance fee is ₹200 plus applicable GST.
-
Does Scapia Credit Card charge an overlimit fee?
Yes. The overlimit charge is 2.5% of the overlimit amount, subject to a minimum of ₹500.
-
What is the Scapia Credit Card forex markup?
The foreign currency markup is 0% under the available card terms.
-
What is the Scapia Credit Card EMI processing fee?
The EMI processing fee is 1% of the transaction amount or ₹99, whichever is higher, plus applicable GST.
-
Does GST apply to Scapia Credit Card charges?
Yes. GST applies to applicable fees, interest and charges.
Final Takeaway
The Scapia Credit Card has nil joining and annual membership fees, but several transaction-specific charges can apply.
The most important costs to understand are cash advance charges, interest, late payment fees, overlimit charges, replacement fees and EMI-related charges. The card also has 0% foreign currency markup under the available terms.
Before using any fee-bearing facility, check the applicable conditions and consider the total cost, including GST. This can help you make better use of the card while avoiding unnecessary charges.