Suryoday-SFB Stable Money RuPay Platinum Credit Card
Suryoday Small Finance Bank
Last updated: Feb 03, 2026
₹150
₹0
2.5%
10 visits/yr
Contents
The Suryoday-SFB Stable Money RuPay Platinum Credit Card is an FD-backed, lifetime-free* secured credit card designed for beginners, credit builders, and conservative savers who want simple rewards without risk. You open a fixed deposit with Suryoday Small Finance Bank via Stable Money or the bank’s own channels, and get a RuPay Platinum credit card linked to that FD, with your limit based on the deposit amount. You earn flat 0.5% cashback on eligible spends, enjoy RuPay Platinum airport lounge access and lifestyle deals, and pay no joining fee plus a very low annual fee that is easily waived with moderate yearly spends. Because it is a secured card and supports UPI-based payments, it is especially useful for first-time credit card users who want to build a strong credit profile while keeping their money safe in an interest-earning FD.
Features of Suryoday-SFB Stable Money RuPay Platinum Credit Card which makes it unique
Beginner-Friendly Credit Builder Card
Designed for new-to-credit users who may not have an income proof or credit history but can open a small FD.
Helps you build a credit score through disciplined usage and on-time payments while earning FD interest.
Easier eligibility than most unsecured entry-level credit cards.
Lifetime-Free* Structure with Low Spend Trigger
Marketing is positioned as a lifetime-free card, and the official annual fee is very low with a modest annual spend condition.
Makes it easy to hold the card long-term without worrying about high annual fees eating into your cashback benefits.
Lower effective cost than many secured cards on FD from larger private banks.
RuPay Platinum Lifestyle Ecosystem
Comes with RuPay Platinum offers across travel, dining, shopping, wellness and partner merchants.
Lets you stack RuPay offers on top of your flat cashback for better overall value.
Strong RuPay offer ecosystem compared to basic RuPay Classic cards.
Rewards Structure of Suryoday-SFB Stable Money RuPay Platinum Credit Card
All Eligible Spends
baseRetail and UPI-linked purchases made in India, excluding fuel, rental payments, wallet loads and any merchant categories barred by the bank.
Cashback is automatically credited against your credit card statement as per bank policy. Transactions like cash advances, fuel, rent, wallet loads, government payments and speculative transactions generally do not earn cashback.
Fees & Charges of Suryoday-SFB Stable Money RuPay Platinum Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹150 |
| Forex Markup Fee | 2.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹250 |
| Over Limit Fee | 0 |
| Returned Payment Fee | ₹300 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee of ₹150 + GST is waived when you spend ₹20,000 or more in the previous year; marketed as lifetime-free* for active users.
Fee Explanation Joining fee is zero. Annual fee of ₹150 + GST is charged from year two but waived on spends of ₹20,000 or more in the previous year. Cash advances attract up to 2.5% fee (minimum ₹500 + GST) and finance charges at an APR of about 35.4% p.a. Foreign transactions incur 2.5% markup + GST. Late payment fee is 1% of the amount payable or ₹250 (whichever is lower, plus GST). Fuel and rental transactions attract a 1% surcharge, with fuel surcharge waiver capped at fuel spends of ₹40,000 per month. Returned payment and other operational charges are as per the latest MITC and schedule of charges issued by Suryoday Small Finance Bank.
Detailed Explanation of Suryoday-SFB Stable Money RuPay Platinum Credit Card Fees
Joining Fee: ₹0 (one-time)
No joining fee is charged for the Suryoday SFB RuPay Platinum secured credit card.
Annual Fee: ₹150 + GST (yearly)
Waived when annual retail spends on the card are ₹20,000 or more in the preceding year.
Physical Card Issuance Fee: ₹299 + GST (one-time)
Applicable when you request a physical card in addition to the virtual card issued instantly on approval.
Cash Advance Fee: Up to 2.5% (min ₹500 + GST) (transaction)
Leviable on every cash withdrawal done at ATMs or bank counters; cash withdrawal limit is capped at a percentage of the overall credit limit.
Late Payment Fee: 1% of amount due, max ₹250 + GST (per billing cycle)
Charged if at least the Minimum Amount Due is not paid by the due date; applied only once per statement cycle.
Finance Charges: APR up to 35.40% + GST (monthly)
Interest of about 2.95% per month is charged on revolved balances and from the date of cash advance until full repayment when you do not clear the Total Amount Due by the due date.
Foreign Currency Markup: 2.5% + GST (transaction)
Applied on international transactions after RuPay network conversion to INR.
Fuel Surcharge: 1% of transaction amount (transaction)
Fuel surcharge of 1% is levied at fuel pumps; surcharge waiver applies only up to ₹40,000 fuel spend per month, with a maximum transaction size of ₹8,000 for waiver eligibility.
Rental Payment Surcharge: 1% of transaction amount (transaction)
A 1% surcharge plus applicable taxes is levied on rental payments; not more than 40% of the credit limit can be used for rent in a calendar month.
Lounge Access Benefits with Suryoday-SFB Stable Money RuPay Platinum Credit Card
domestic Lounges
silverVisits per year: 10
Guest access: No
Complimentary access to select domestic airport lounges under the RuPay Platinum programme, subject to RuPay’s lounge list, visit caps, active card status and per-visit terms and conditions. Pre-auth and swipe at the RuPay lounge terminal are usually required.
Insurance Coverage with Suryoday-SFB Stable Money RuPay Platinum Credit Card
Personal Accident & Permanent Disability Cover
Up to ₹2,00,000Offered under the RuPay Platinum insurance programme for eligible, active cardholders, subject to card usage, claim documentation and RuPay’s policy terms and exclusions.
Additional Features of Suryoday-SFB Stable Money RuPay Platinum Credit Card
FD-Backed Secured Credit Limit
Your credit limit is linked to your fixed deposit with Suryoday Small Finance Bank, helping you access credit while keeping your principal safe.
You must maintain the required FD with a lien marked in favour of the bank; closing the FD will usually require closure or adjustment of the credit card.
UPI-Powered Credit Card
Link your RuPay Platinum credit card to popular UPI apps and pay using UPI while still enjoying credit card benefits.
Available only on UPI apps that support RuPay credit cards; subject to NPCI and app-level limits and terms.
Instant Virtual Card
A virtual credit card is issued immediately after approval so you can start online and UPI spends without waiting for the physical card.
Virtual card details are accessible through the Suryoday mobile banking app or Stable Money app; physical card can be requested separately with applicable issuance fee.
Contactless Payments
Tap-and-pay enabled at supported POS terminals for faster checkouts.
Contactless limits and PIN-less thresholds follow prevailing RBI and RuPay guidelines.
Add-on Cards
You can request add-on cards for close family members to share the same credit limit and build their own credit profile.
Primary cardholder remains fully liable for all add-on card spends; KYC and relationship proof may be required.
Welcome Bonus with Suryoday-SFB Stable Money RuPay Platinum Credit Card
Welcome Bonus: NA
Bonus Conditions: Card is issued against a Suryoday Small Finance Bank fixed deposit booked via Stable Money app or Suryoday channels; all benefits governed by RuPay and bank terms and conditions.
Application Process for Suryoday-SFB Stable Money RuPay Platinum Credit Card
Processing Time
Instant virtual card on approval; physical card typically dispatched within 5–7 working days.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Download the Stable Money app or Suryoday Small Finance Bank mobile banking app.
Open a new fixed deposit with Suryoday Small Finance Bank or select an existing eligible FD.
Choose the Suryoday SFB RuPay Platinum secured credit card variant and confirm the lien on your FD.
Complete basic KYC and on-screen declarations as prompted in the app.
Receive instant approval along with a virtual RuPay Platinum credit card in your app.
Optionally request a physical card for offline POS and ATM usage.
Required Documents for Suryoday-SFB Stable Money RuPay Platinum Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Fixed Deposit Proof
allAccepted documents:
Suryoday-SFB Stable Money RuPay Platinum Credit Card Merchant Acceptance Network
Domestic Acceptance
Good acceptance across India at RuPay-enabled POS terminals, online merchants and UPI apps that support RuPay credit cards.
International Acceptance
Usable at international merchants and ATMs on the RuPay Global network and its partner networks, but coverage may be more limited than mainstream Visa or Mastercard cards in some countries.
Online Acceptance
Widely accepted at Indian e-commerce sites, billers and payment gateways that support RuPay cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Suryoday-SFB Stable Money RuPay Platinum Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
0+
Citizenship
Indian resident only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be a resident individual between 18 and 80 years of age with an existing, non-tax-saver, un-liened fixed deposit held with Suryoday Small Finance Bank. The card is fully secured against the fixed deposit, so no income proof or minimum credit score is required. The credit limit is linked to the FD value, and timely repayments can help you build or improve your credit score.
How Approval Is Decided
- Resident Indian individual between 18 and 80 years of age.
- Eligible non-tax-saver, un-liened fixed deposit with Suryoday Small Finance Bank meeting the minimum FD amount for the Platinum variant.
- Satisfactory internal risk checks and adherence to Suryoday Small Finance Bank’s secured credit card policy.
Pros of Suryoday-SFB Stable Money RuPay Platinum Credit Card
- No joining fee and very low annual fee that can be waived with basic yearly spending.
- FD-backed structure means easier approval even for people with thin or no credit history.
- Flat 0.5% cashback on eligible transactions, making rewards easy to understand and track.
- Complimentary domestic airport lounge access via RuPay Platinum programme.
- UPI-enabled RuPay credit card that works with major UPI apps for everyday digital payments.
Cons of Suryoday-SFB Stable Money RuPay Platinum Credit Card
- Fuel and rental transactions attract surcharges, and some categories such as wallets may not earn cashback.
- Credit limit is directly linked to the size of your fixed deposit, so a small FD results in a small credit limit.
- Cashback rate of 0.5% is modest compared to some specialised online shopping or co-branded high-spend cards.
- International acceptance may be more limited than global Visa or Mastercard credit cards, especially at smaller foreign merchants.
Frequently Asked Questions about Suryoday-SFB Stable Money RuPay Platinum Credit Card
Is the Suryoday-SFB Stable Money RuPay Platinum Credit Card truly lifetime free?
There is no joining fee, and the annual fee is a low ₹150 + GST, which is waived when you spend ₹20,000 or more in a year. In practical terms, regular users who meet the spend condition can treat the card as lifetime-free*, subject to terms and conditions.
Who should consider applying for the Suryoday-SFB Stable Money RuPay Platinum Credit Card?
This card is ideal if you are new to credit or do not have regular income proofs but can open a fixed deposit with Suryoday Small Finance Bank. It suits students, young professionals, self-employed individuals and conservative investors who want an FD-backed credit card to build a credit score, enjoy 0.5% cashback and access RuPay Platinum lounge and lifestyle benefits.
What are the main benefits and rewards of this Suryoday RuPay Platinum secured credit card?
The key benefits include flat 0.5% cashback on eligible spends, complimentary domestic airport lounge access under the RuPay Platinum programme, personal accident insurance cover up to ₹2 lakh via RuPay, instant virtual card issuance, UPI-based payments and a low, easily waivable annual fee. You also continue to earn attractive interest on your underlying fixed deposit while using the card.
Do I need income proof or a good credit score to get the Suryoday-SFB Stable Money RuPay Platinum Credit Card?
No, this is an FD-backed secured credit card, so the primary requirement is to open and maintain an eligible fixed deposit with Suryoday Small Finance Bank. You generally do not need to provide income proof or meet a strict minimum credit score, which makes it suitable for first-time credit card users looking to start their credit journey.
How does cashback work on the Suryoday-SFB Stable Money RuPay Platinum Credit Card?
You earn 0.5% cashback on eligible retail and UPI-linked spends, subject to category-level exclusions such as fuel, rent, wallet loads and certain government or speculative transactions. Cashback is typically adjusted against your credit card statement, and there is an overall cap of ₹3,000 cashback per billing cycle as per the bank’s FD-backed credit card terms.
Does the Suryoday RuPay Platinum credit card offer airport lounge access?
Yes, as a RuPay Platinum card, it offers complimentary domestic airport lounge access at select Indian airports, subject to RuPay’s lounge list, yearly visit limits and programme terms. The exact number of free visits can be up to around 10 per year depending on the latest RuPay and bank guidelines, and you must swipe the card at the lounge terminal to avail access.
Can I link the Suryoday-SFB Stable Money RuPay Platinum Credit Card to UPI apps?
Yes, this is a UPI-enabled RuPay credit card. You can link it to supported UPI apps like Google Pay, PhonePe, Paytm and others that allow RuPay credit card on UPI. Once linked, you can make UPI payments that are charged to your credit card while still enjoying the card’s cashback and billing cycle benefits.
What happens to my credit card if I close or break my Suryoday FD?
Because your credit card limit is secured against your fixed deposit, closing or prematurely breaking the FD typically requires settling your outstanding dues and closing or restructuring the credit card. The bank may adjust your outstanding against the FD proceeds before releasing the balance, as per its secured credit card policy.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
