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Fees & charges
Joining feeLifetime free
Annual feeLifetime free
Fee waiverNo fee waiver
Forex markup0%
Finance charge3.75% p.m. (45% p.a.)
Cash advance fee2.5% of amount withdrawn or Rs. 500 whichever is higher (Not applicable for Wave Credit Card)
Late payment fee
| Total Amount Due Rs. 0-250 | Rs. 0 |
| Rs. 251-1000 | Rs. 250 |
| Rs. 1001-5000 | Rs. 500 |
| Rs. 5001-25000 | Rs. 1,000 |
| Rs. 25001 & above | Rs. 1,250 (w.e.f. 20th August 2024) |
Rewards & Lounge access
RewardsScapia coins on all spends (redeemable for flights & hotels); 5% rewards on UPI & Google Pay spends of Rs.500+ (RuPay variant)
Lounge accessUnlimited domestic airport lounge access (unlocks with Rs.20,000 combined monthly spend across cards)
NetworkVisa
CategoryMid-tier
Card typeRetail
Key features
- Scapia coins on all spends (redeemable for flights & hotels); 5% rewards on UPI & Google Pay spends of Rs.500+ (RuPay variant)
- Unlimited domestic airport lounge access (unlocks with Rs.20,000 combined monthly spend across cards)