No points on money transfers, rent, fuel, cash withdrawals or wallet loads. Bills and utilities stopped earning points on 15 July 2026 and no longer count for 5X
Exact wording in the source
“Reward points will not accrue for money transfers, rent payments, fuel purchases, cash withdrawals and digital wallet loading or top-up transactions”
“Effective 15th July’ 2026, reward points will not accrue for transactions/ payments for bills and utilities”
“These transactions will also be ineligible for 5X rewards.”
No points on money transfers, rent, fuel, cash withdrawals or wallet loads. Bills and utilities stopped earning points on 30 July 2026 and no longer count for 5X
Exact wording in the source
“Reward points will not accrue for money transfers, rent payments, fuel purchases, cash withdrawals and digital wallet loading or top-up transactions”
“Effective 30-07-2026 reward points will not accrue for bills and utilities”
“These transactions will also be ineligible for 5X rewards.”
No points on money transfers, rent, fuel, cash withdrawals or wallet loads. Bills and utilities stopped earning points on 29 August 2026 and no longer count for 5X
Exact wording in the source
“Reward points will not accrue for money transfers, rent payments, fuel purchases, cash withdrawals and digital wallet loading or top-up transactions”
“effective 29th August 2026, reward points will not accrue for bills and utilities”
“These transactions will also be ineligible for 5X reward”
No points on money transfers, rent, fuel, cash withdrawals or wallet loads. Bills and utilities stopped earning points on 12 August 2026 and no longer count for 5X
Exact wording in the source
“Reward points will not accrue for money transfers, rent payments, fuel purchases, cash withdrawals and digital wallet loading or top-up transactions”
“effective 12th August 2026, reward points will not accrue for bills and utilities”
“These transactions will also be ineligible for 5X rewards.”
Scapia's 26 May 2026 article lists: transactions under ₹20 on the Visa card and under ₹500 on the RuPay card, Scapia card bill payments, late fees and other card charges, ATM withdrawals, e-wallet loads, education fees, insurance premiums, EMIs, fuel, rent, forex transactions, crypto, gift cards, and utility and telecom bills above ₹20,000 a month
Sources disagree. Scapia's own pages disagree on utility bills: its homepage excludes them outright, while its 26 May 2026 article excludes only utility and telecom bills above ₹20,000 a month, without saying whether that is per bill or a monthly total. The homepage does not mention telecom. The article also drops government and business payments, and says "Fuel" where the homepage says "Fuel transactions and surcharge".
Exact wording in the source
“May 26, 2026”
“Transaction value less than ₹20 on the Visa card and less than ₹500 on RuPay Card”
No Jewels on fuel, government payments, rent, utility bills, insurance premiums, tax payments, wallet, gift or prepaid card loads and vouchers, cash advances, card bill payments, card fees or any EMI. The page's merchant-code list also excludes telecom, internet services, cable and DTH, tolls and app-store purchases, among others. If the minimum due is unpaid, that cycle's Jewels are locked and earning pauses until it is paid. Jewels are cancelled if the card is not used for more than 365 days, and lapse if dues go unpaid for 90 days
Exact wording in the source
“Fuel spends Govt related transactions Rent payment transactions Utility bill payments (electricity, gas, etc.)”
“Wallet loads / gift or prepaid card loads / voucher purchase Cash advances Payment of Outstanding Balances Payment of card fees and other charges All types of EMI transactions”
“6381 INSURANCE PREMIUMS 9311 TAX PAYMENTS”
“4814 TELECOMMUNCATIONS SERV”
“4816 COMPUTER NETWORK/INFO SVCS”
“4899 CABLE AND OTHER PAY TELEVISION SERVICES”
“4784 TOLLS, ROAD AND BRIDGE FEES”
“5817 DIGITAL GOODS: APPLICATIONS”
“If the minimum amount due is not paid, any Jewels earned in the cycle will be locked for redemption”
“earning of Jewels will be paused till the time the minimum amount due is paid in full”
“is not used for more than 365 days, the accrued Jewels will be nullified”
“If the user does not pay their outstanding dues for 90 days, all Jewels accrued will lapse”
No cashback on government, agriculture or contractor services, rent, wallet or prepaid card loads, gift cards, vouchers, gold and jewellery, insurance, post office, transit, utilities, education, fuel, cash advances, card bill payments, card fees or any EMI
No Jewels on fuel, government payments, rent, utility bills, insurance premiums, tax payments, wallet, gift or prepaid card loads and vouchers, cash advances, card bill payments, card fees or any EMI. The page's merchant-code list also excludes telecom, internet services, cable and DTH, tolls and app-store purchases, among others. If the minimum due is unpaid, that cycle's Jewels are locked and earning pauses until it is paid. Jewels are cancelled if the card is not used for more than 365 days, and lapse if dues go unpaid for 90 days
Exact wording in the source
“Fuel spends Govt related transactions Rent payment transactions Utility bill payments (electricity, gas, etc.)”
“Wallet loads / gift or prepaid card loads / voucher purchase Cash advances Payment of Outstanding Balances Payment of card fees and other charges All types of EMI transactions”
“6381 INSURANCE PREMIUMS 9311 TAX PAYMENTS”
“4814 TELECOMMUNCATIONS SERV”
“4816 COMPUTER NETWORK/INFO SVCS”
“4899 CABLE AND OTHER PAY TELEVISION SERVICES”
“4784 TOLLS, ROAD AND BRIDGE FEES”
“5817 DIGITAL GOODS: APPLICATIONS”
“If the minimum amount due is not paid, any Jewels earned in the cycle will be locked for redemption”
“earning of Jewels will be paused till the time the minimum amount due is paid in full”
“is not used for more than 365 days, the accrued Jewels will be nullified”
“If the user does not pay their outstanding dues for 90 days, all Jewels accrued will lapse”
Every line is quoted from the card issuer's or the card app's own documents or website; open "Exact wording in the source" to see which. All fees attract 18% GST. How we check
Card Fine Print is independent and not affiliated with any card issuer or bank. Fees change; each issuer's current documents always win over this page. This is not financial advice.