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Suryoday Small Finance Bank
Suryoday SFB RuPay Platinum Credit Card
RuPay
Suryoday SFB RuPay Platinum Credit Card
Suryoday's FD-backed RuPay Platinum card adds insurance and concierge services on top of its Select sibling's flat 0.5% cashback, for a low ₹150+GST fee waivable on ₹20,000 yearly spend.
Rates and fees last verified 15 July 2026.
Annual fee
₹177
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🛡️ Insurance
Insurance cover included, unlike the bank's RuPay Select variant
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- 0
- Employment: salaried, self-employed
Benefits
- FD-backed secured card; link an eligible fixed deposit to serve as the security deposit
- Insurance cover included, unlike the bank's RuPay Select variant
- Concierge services included, unlike the bank's RuPay Select variant
Pros
- + Low annual fee with an easy spend waiver
- + 0.5% cashback on all eligible spends, including UPI
- + No income proof needed — FD-backed
Cons
- − Cashback capped at ₹3,000/month
- − High revolving APR (35.4%) if balances are carried