Suryoday Small Finance Bank Suryoday SFB RuPay Platinum Credit Card
Suryoday Small Finance Bank
Annual / renewal fee
₹0 (NIL).
VerifiedKey Fact Statement (KFS) – SSFB RuPay Platinum Credit Card (current/latest)2 Aug 2026, 2:50 PM ISTSuryoday Small Finance Bank
Earn rate
0.5% cashback earned on each eligible transaction.
Verifiedharvested from product page2 Aug 2026, 2:50 PM ISTSuryoday Small Finance Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at suryoday.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at suryoday.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Suryoday SFB RuPay Platinum Credit Card by Suryoday Small Finance Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Nil (Lifetime-free).
VerifiedKey Fact Statement (KFS) – SSFB RuPay Platinum Credit Card (current/latest)2 Aug 2026, 2:50 PM ISTSuryoday Small Finance Bank
Annual / renewal fee
₹0 (NIL).
VerifiedKey Fact Statement (KFS) – SSFB RuPay Platinum Credit Card (current/latest)2 Aug 2026, 2:50 PM ISTSuryoday Small Finance Bank
Fee waiver
Confirm on the official page
Official source not yet captured
Rewards
0.5% cashback earned on each eligible transaction.
Verifiedharvested from product page2 Aug 2026, 2:50 PM IST
Reward cap
Cashback is capped at ₹3,000 in a billing cycle.
Verifiedharvested from product page2 Aug 2026, 2:50 PM ISTSuryoday Small Finance Bank
Reward exclusion
Verifiedharvested from product page2 Aug 2026, 2:50 PM ISTSuryoday Small Finance Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Eligibility
- Individuals - Indian citizens and residents.
- Must have an existing un-liened, non-corporate, non-Tax-saver Fixed Deposit with SSFB.
- Card is issued against the pledge of the FD (secured/FD-backed card).
VerifiedKey Fact Statement (KFS) – SSFB RuPay Platinum Credit Card (current/latest)2 Aug 2026, 2:50 PM ISTSuryoday Small Finance Bank
Charges & interest
Forex markup
2.50% of the value of the foreign currency transaction after conversion to Indian Rupees + GST (for transactions not in Indian Rupees).
VerifiedKey Fact Statement (KFS) – SSFB RuPay Platinum Credit Card (current/latest)2 Aug 2026, 2:50 PM ISTSuryoday Small Finance Bank
Charge
- Finance Charge (APR): up to 0.09833333% per day, i.e. 2.95% per month (35.40% p.a.) + GST on revolving credit and cash advances.
- Cash Advance Fee: up to 2.5% of amount withdrawn, minimum ₹500 + GST.
- Cash advances restricted to 20% of credit limit.
- Late Payment Fee: 1% of amount payable or ₹250 whichever is lower + GST.
- Foreign Currency Surcharge: 2.5% + GST.
- Minimum Payment Due: 10% of billed amount plus any EMI(s), overdue and overlimit amounts.
- Physical Card Issuance Fee: Nil.
- Card Replacement Fee: Nil.
- Surcharge on Rental Payments (MCC 6513): 1% of transaction amount + GST (max 40% of credit limit usable for rentals per calendar month).
- Fuel Surcharge: 1% of transaction amount + GST.
- Overlimit Fee: NA.
- EMI Interest Rate: 18% p.a.
- EMI Tenure: 3, 6, 9 and 12 months.
- EMI Processing Fee: 3% of principal or ₹300 whichever is greater.
- EMI Preclosure Charges: 3% of principal outstanding or ₹300 whichever is greater.
- TCS/TDS: as per prevailing rate.
- GST: 18%.
VerifiedMost Important Terms & Conditions (MITC) – SSFB RuPay Platinum Credit Card2 Aug 2026, 2:50 PM ISTSuryoday Small Finance Bank
Fuel surcharge waiver
- Fuel surcharge waiver limited to ₹40,000 in a calendar month with no single transaction being over ₹8,000.
- Fuel transactions above these limits get no surcharge waiver.
- (Fuel surcharge itself is 1% of the transaction amount.).
VerifiedKey Fact Statement (KFS) – SSFB RuPay Platinum Credit Card (current/latest)2 Aug 2026, 2:50 PM ISTSuryoday Small Finance Bank
Interest-free period
- Interest-free credit period from the transaction date to the payment due date, ranging from 14 to 20 days depending on the date of transaction (up to about 50 days for a purchase early in the statement cycle).
- Does not apply to Cash Advance Transactions.
- Lost if the previous month's Total Amount Due is not paid by the Payment Due Date.
VerifiedMost Important Terms & Conditions (MITC) – SSFB RuPay Platinum Credit Card2 Aug 2026, 2:50 PM ISTSuryoday Small Finance Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Suryoday SFB RuPay Platinum Credit Card?
Officially traced: Rs. 0 (NIL).
Key Fact Statement (KFS) – SSFB RuPay Platinum Credit Card (current/latest)What is the joining fee on the Suryoday SFB RuPay Platinum Credit Card?
Officially traced: Nil (Lifetime-free).
Key Fact Statement (KFS) – SSFB RuPay Platinum Credit Card (current/latest)How does the Suryoday SFB RuPay Platinum Credit Card earn rewards?
0.5% cashback earned on each eligible transaction.
harvested from product pageWhat are the transfer ratios for Suryoday SFB RuPay Platinum Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the Suryoday SFB RuPay Platinum Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://suryoday.bank.in/personal/cards/credit-cards/secured-ssfb-rupay-platinum/.
VerifiedSuryoday SFB RuPay Platinum Credit Card product page2 Aug 2026, 2:50 PM ISTSuryoday Small Finance Bank
Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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