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Suryoday Small Finance Bank

Suryoday SFB RuPay Select Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns cashback

First-year fee

₹0

Nil

Annual fee

₹150 + GST

What it gives back

0.5% cashback · everyday spends

Read from 6 Suryoday Small Finance Bank documents, last checked 19 Oct 2026.

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How it compares

Compared with the cards we have read

₹150 annual fee: of the 273 other open cards whose annual fee we have read, 83 state a lower one, 1 states the same and 189 state a higher one.

2.5% forex markup: of the 291 other open cards whose forex markup we have read, 64 state a lower one, 7 state the same and 220 state a higher one.

Fees

  • Annual fee

    ₹150 + GST

  • Joining fee

    ₹0Nil

  • Fee waiver rule

    Fee waived if you spend ₹50,000.

Rewards

  • Reward rate

    0.5% cashback · everyday spends0.5% cashback (from 1 August)

  • Reward caps

    Cashback capped at ₹3,000

Also included

  • Fuel surcharge waiver

    Fuel surcharge waiver will be limited to ₹40,000 in a calendar month with no single transaction being over ₹8,000.

  • Purchase to EMI conversion

    EMI Interest Rate 18% pa, EMI Tenure 3, 6, 9 and 12 months.

Charges

  • Forex markup

    2.5% on foreign currency transactions.2.50% for transactions not in Indian Rupees + GST

  • Cash advance fee

    Up to 2.5% of the amount withdrawn, with a minimum of ₹750 + GST

  • Interest on unpaid balance

    2.95% p.m. (35.40% p.a.) + GST

  • Interest-free period

    20 days interest-free when you pay in full.

  • Late payment fee

    1% of the amount payable or ₹250 whichever is lower + GST

  • Card replacement fee

    ₹499 + GST

  • EMI conversion fee

    EMI Processing Fee 3% of the principal amount or ₹300, whichever is greater.

  • Fuel transaction fee

    Fuel Surcharge 1% of the transaction amount.

  • Rent transaction fee

    A surcharge of 1% of the transaction amount shall be levied on rental payments performed under MCC 6513.

  • GST note

    Goods & Services Tax Applicable as per prevailing rates, currently 18%

  • Minimum amount due

    The Minimum Amount Due will be 10% of Your Total Amount Due, due EMIs and any amounts that are overdue and/or over the Credit Limit

Eligibility

  • Minimum age

    Age must be above 18 years and below 80 years.

  • Residency

    Individuals – Indian citizens and residents.

How we know - 6 documents from Suryoday Small Finance Bank, checked 19 Oct 2026

6 documents from Suryoday Small Finance Bank, checked 19 Oct 2026.

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₹150 a year

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