Suryoday SFB RuPay Platinum Credit Card
A RuPay credit card against a Suryoday fixed deposit: 0.5% cashback on eligible spends, capped at ₹3,000 a billing cycle, with a ₹150 annual fee waived on ₹20,000 of annual spend. Every figure below is copied from Suryoday Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Applied for in the Suryoday mobile banking app against an existing fixed deposit with Suryoday (one can be booked online first).
Fees and charges
| Joining fee | Nil MITC |
|---|---|
| Annual fee | ₹150 plus GST MITC |
| Annual fee waiver | On ₹20,000 of spend in the year MITC |
| GST on fees | 18% |
| Foreign-currency markup | 2.5% of the transaction, plus GST MITC |
| The virtual card is issued at once; a physical card costs ₹299 + GST. A 1% surcharge applies to rent payments. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| 0.5% cashback on eligible spends, capped at ₹3,000 a billing cycle | 0.5% cashback Terms | up to ₹3,000 a statement cycle Terms |
Cashback is credited to the card account and adjusted against the next statement.
Financial institutions, charities, foreign-currency purchases, mutual funds, cash and transport (MCC list) also earn no cashback.
No rewards on
Benefits
- Lounges: Airport lounge access and flight discounts (number of visits not stated) Product page
Also on this card
Quoted from Suryoday Small Finance Bank; not counted in the net value.
- Personal accident and permanent disability cover of up to ₹2 lakh Product page
- 24/7 concierge for travel and hotel bookings Product page
Eligibility
- Age above 18 Product page
- Age below 80 Product page
- Resident individual Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Suryoday Small Finance Bank in the documents read
- the fuel surcharge waiver rate (the MITC says only that it is limited to ₹40,000 of fuel a calendar month, no fill over ₹8,000)
- the number of complimentary lounge visits
- income criteria
Where Suryoday Small Finance Bank’s documents differ, and what is used
- The product and listing pages call the card “Lifetime-free*”, while the KFS and MITC for cards issued from 26 May 2026 charge ₹150 + GST a year, waived on ₹20,000 of annual spend; CardWise uses the KFS.
The quotes behind the figures
31 figures, each copied from an official Suryoday Small Finance Bank document.
Show every quote and source
“Amount / Value Nil 150 +GST (waived on annual spends of 20,000 or more) 299 + GST”
“Applicable as per prevailing rates, currently 18%.”
“2.5% of the value of the foreign currency transaction after conversion to Indian Rupees using card association's currency conversion at transaction point + GST”
“A. A cashback of 0.5% will be earned on each eligible transaction.”
“A. Yes, the cashback is limited to Rs. 3,000 in a billing cycle.”
“Suryoday SFB RuPay Platinum Credit Card Lifetime-free* & no hidden charges UPI-Powered for seamless payments 0.5% Cashback* (w.e.f 1-Aug)”
“*T&C apply. Cashback capped at ₹3,000.”
“Cash back credited to Your Credit Card Account will be adjusted towards the balance on Your next Credit Card Statement.”
“Wallet Recharges 4814, 6540”
“Excluded MCC Categories MCC Codes Wallet Recharges Financial Institutions Government Services Charities”
“Insurance 5960,6300,6381,6399. Railway 4112”
“Education 8299, 8211, 8220, 8241,8244,8249.”
“Fuel 5541,5542,5983.”
“Electric, Gas, Sanitary and Water 4900”
“Real Estate Agents and Managers-Rentals 6513”
“150 +GST (waived on annual spends of 20,000 or more)”
“Avail Lifetime-free* Card & No Hidden Charges”
“2.50% for transactions not in Indian Rupees + GST”
“A. Cashback is not earned transactions carried out on the below list of MCC codes.”
“A surcharge of 1% of the transaction amount shall be levied on rental payments.”
“Fuel surcharge waiver will be limited to Rs 40,000 in a calendar month with no single transaction being over Rs. 8,000.”
“UPI-Powered Make secure, instant and seamless payments”
“Must have an existing FD* with SSFB (un-liened, non-corporate and non-Tax-saver)”
“Since this is an FD-backed card, your credit limit is linked to your fixed deposit(s).”
“Benefits RuPay Platinum RuPay Select ( For FD above ₹1,15,000 ) Flight Discounts & Lounge Access YES YES”
“Comprehensive Cover: Personal Accident Insurance and Permanent Disability Cover of up to ₹2 Lakh”
“24/7 Concierge Services: From Travel assistance to hotel reservations to Consultancy services”
“Age must be above 18 years and below 80 years”
“Must be a Resident Individual”
“How To Apply Log into Mobile Banking App Select FD and complete application Submit application Get Your Card”
“Card Association Rupay”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Suryoday Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Suryoday Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology