Suryoday Small Finance Bank Suryoday SFB RuPay Select Credit Card
Suryoday Small Finance Bank
Annual / renewal fee
₹150 + GST.
VerifiedMITC – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest)2 Aug 2026, 3:00 PM ISTSuryoday Small Finance Bank
Earn rate
0.5% cashback earned on each eligible purchase transaction.
Verifiedharvested from product page2 Aug 2026, 3:00 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 Select Credit Card by Suryoday Small Finance Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Nil.
VerifiedMITC – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest)2 Aug 2026, 3:00 PM ISTSuryoday Small Finance Bank
Annual / renewal fee
₹150 + GST.
VerifiedMITC – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest)2 Aug 2026, 3:00 PM ISTSuryoday Small Finance Bank
Fee waiver
- Issuance/Closure charges apply only within first 12 months: if you reduce the credit limit to zero within 12 months of issuance an issuance fee (₹150 + GST) applies once per card lifecycle (not applicable if a joining fee or issuance fee already paid).
- If you close the card within 12 months of issuance a Card Closure Fee (₹150 + GST) applies.
VerifiedMITC – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest)2 Aug 2026, 3:00 PM ISTSuryoday Small Finance Bank
Rewards
0.5% cashback earned on each eligible purchase transaction.
Verifiedharvested from product page2 Aug 2026, 3:00 PM IST
Redemption value
Cash back credited to your Credit Card Account is adjusted towards the balance on your next Credit Card Statement.
VerifiedMITC – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest)2 Aug 2026, 3:00 PM ISTSuryoday Small Finance Bank
Reward cap
Cashback is capped at ₹3,000 in a billing cycle.
Verifiedharvested from product page2 Aug 2026, 3:00 PM ISTSuryoday Small Finance Bank
Reward exclusion
Verifiedharvested from product page2 Aug 2026, 3:00 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
Golf benefit
Golf Program: Access to over 20+ premium golf courses with a complimentary golf game / lesson every year.
VerifiedSuryoday SFB RuPay Select Credit Card product page2 Aug 2026, 3:00 PM ISTSuryoday Small Finance Bank
Milestone benefit
Annual fee waived on annual spends of ₹50,000 or more (spend-based waiver per MITC 18 Dec / original versions).
VerifiedKFS – Suryoday SFB RuPay Select Credit Card (December 2024 version)2 Aug 2026, 3:00 PM ISTSuryoday Small Finance Bank
Eligibility
Eligibility
- Individuals - Indian citizens and residents, with fixed deposits (FD-backed card).
- Credit limit linked to pledged FD and shall not exceed 90% of FD value at issuance, subject to a maximum cap of ₹5,00,000.
VerifiedKey Fact Statement (KFS) – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest)2 Aug 2026, 3:00 PM ISTSuryoday Small Finance Bank
Charges & interest
Forex markup
2.5% of the value of the foreign currency transaction after conversion to Indian Rupees + GST.
VerifiedKey Fact Statement (KFS) – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest)2 Aug 2026, 3:00 PM ISTSuryoday Small Finance Bank
Charge
- Physical card issuance fee: ₹150 + GST.
- Issuance Fee: ₹150 + GST (levied if credit limit reduced to zero within 12 months of issuance, once per card lifecycle).
- Card Closure Fee: ₹150 + GST (if card closed within 12 months of issuance).
- Card Replacement Fee (loss/theft): ₹150 + GST.
- Late Payment Fees: 1% of amount payable or ₹250 whichever is lower + GST.
- Cash Advance Fees: up to 2.5% of amount withdrawn, minimum ₹500 + GST (cash advances restricted to 20% of credit limit).
- Finance Charge (APR): daily 0.09833333% + GST (2.95% + GST per month / 35.40% APR + GST) on revolving credit and cash advances.
- Foreign Currency Surcharge: 2.5% of transaction value after conversion to INR + GST.
- EMI Interest Rate: 18% p.a.
- EMI Processing Fee: 3% of principal or ₹300 whichever greater.
- EMI Preclosure Charges: 3% of principal outstanding at foreclosure or ₹300 whichever greater.
- Surcharge on Rental Payments: 1% of transaction amount + GST (max 40% of credit limit for rentals per calendar month).
- GST: 18%.
- (w.e.f. 15 November 2025).
VerifiedMITC – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest)2 Aug 2026, 3:00 PM ISTSuryoday Small Finance Bank
Fuel surcharge waiver
- Fuel Surcharge Waiver: waiver limited to ₹40,000 in a calendar month with no single transaction over ₹8,000.
- Fuel transactions above these limits get no surcharge waiver.
- (Fuel surcharge levied is 1% of transaction amount).
VerifiedMITC – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest)2 Aug 2026, 3:00 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 50 days total for early-cycle purchases.
- Not applicable to Cash Advance Transactions.
- Suspended if any balance from the previous month's statement is unpaid.
VerifiedMITC – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest)2 Aug 2026, 3:00 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 Select Credit Card?
Officially traced: Rs. 150 + GST.
MITC – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest)What is the joining fee on the Suryoday SFB RuPay Select Credit Card?
Officially traced: Nil.
MITC – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest)Is the Suryoday SFB RuPay Select Credit Card annual fee ever waived?
Issuance/Closure charges apply only within first 12 months: if you reduce the credit limit to zero within 12 months of issuance an issuance fee (Rs. 150 + GST) applies once per card lifecycle (not applicable if a joining fee or issuance.
MITC – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest)How does the Suryoday SFB RuPay Select Credit Card earn rewards?
0.5% cashback earned on each eligible purchase transaction.
harvested from product pageWhat are the transfer ratios for Suryoday SFB RuPay Select Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
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-select/.
VerifiedSuryoday SFB RuPay Select Credit Card product page2 Aug 2026, 3:00 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.
( Continue exploring )