All cards / Suryoday Small Finance Bank
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.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Insurance benefits: Personal accident insurance cover included on the card.
Benefits by category
- 🛡️ Insurance
Personal accident insurance cover included
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- 0
- Employment: salaried, self-employed
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 35.4% p.a.
Benefits
- FD-backed secured card; link an eligible fixed deposit to serve as the security deposit
- Personal accident insurance cover included
- 24/7 concierge services included
Pros
- + Lifetime free, no joining or annual fee
- + 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