According to the SCA, most of the cards already present on file are exempted from 3DS. However, there is a possibility that the issuing bank might enforce 3DS on cards, invariably. For such cases, you can remove the card that is already present on the file and use the Request payment method option to collect the card information once again. Also, we are developing a fallback mechanism within Chargebee to handle such use cases. 

We have covered the details of the fallback mechanism in article below


https://support.chargebee.com/a/solutions/articles/240875-what-is-the-fallback-mechanism-how-is-it-used-