In the credit card industry, issuers frequently tweak reward structures, introduce exclusions, or raise spending requirements. This process is commonly called devaluation. To help travelers stay informed and demonstrate our commitment to editorial accuracy, we maintain a chronological changelog tracking all major feature shifts, lounge rules, and terms of service updates for the Scapia Credit card since its launch.
This table tracks official adjustments announced by Scapia and its partner banks:
| Effective Date | Feature Modified | Before vs. After Policy Details | Impact |
|---|---|---|---|
| Feb 2026 | Lounge Spend Window | Required ₹20,000 spend in the *calendar month* prior to lounge visit. Changed to ₹20,000 spend in the *preceding billing cycle*. | Neutral Easier to align spending with actual bill dates. |
| Nov 2025 | RuPay UPI Limit | RuPay UPI spends earned 5% Scapia Coins on all purchases. Changed to enforce a strict minimum ₹500 transaction size to qualify for coins. | Negative Wipes out rewards on small daily merchant QR transactions. |
| Jul 2025 | Lounge Spending Gate | Domestic airport lounge access was unconditionally free for cardholders. Changed to require a minimum ₹20,000 retail spend in the previous month. | Negative Forces active usage of the card to maintain lounge access perks. |
| Jan 2025 | International Rewards | Foreign currency spends earned Scapia Coins at 10% rate. Changed to 0% rewards (no coins earned) on all non-INR denominated transactions. | Negative Keeps forex transactions cheap (0% markup) but unrewarding. |
| Sep 2024 | ASCI Mandates | Affiliate links lacked standard visual disclosures. Added prominent top-of-page ASCI and footer trademark statements. | Neutral Improves portal transparency and compliance. |
When co-branded travel cards launch, issuers offer highly lucrative rewards to acquire customers. Over time, as credit portfolios grow, the cost of funding these rewards (like free airport lounge visits, which cost banks between ₹800 and ₹1,500 per entry) becomes unsustainable. This leads to policy adjustments, such as capping lounge access or tying it to monthly spending milestones.
Despite these devaluations, Scapia remains highly competitive because it is Lifetime Free (no annual fee friction) and continues to offer 0% forex markup on all international swipes. For travelers looking to avoid foreign exchange surcharges without paying annual credit card fees, Scapia is still one of the best unsecured credit card options in India.
However, if you want guaranteed lounge access without meeting monthly spending thresholds, or if you want to earn rewards on international transactions, you should look at alternative cards like the ixigo AU Credit Card or secured options like the IDFC FIRST WOW Credit Card.
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