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Suryoday SFB RuPay Select Credit Card
A lifetime-free, FD-secured RuPay card from Suryoday Small Finance Bank that punches above its weight on lifestyle perks like lounge access, golf, and spa privileges for a secured product.
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 whose spend is concentrated in travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: Complimentary domestic airport lounge access (physical card only).
- Golf: One complimentary golf game or lesson per year at 20+ premium golf courses.
- Insurance benefits: Personal Accident Insurance with Permanent Disability cover up to ₹10 lakh.
Benefits by category
- ✈️ Travel
Complimentary domestic airport lounge access (physical card only)
- 🏨 Hotel
24/7 concierge for travel, hotel, and lifestyle bookings
- 🛡️ Insurance
Personal Accident Insurance with Permanent Disability cover up to ₹10 lakh
Eligibility
- 0
- Employment: salaried, self-employed
- Age: 18–80
Fees & charges
- Interest rate: 35.4% p.a.
Benefits
- FD-backed; requires a minimum FD of ₹1,15,000 with Suryoday SFB for the Select variant
- Complimentary domestic airport lounge access (physical card only)
- Personal Accident Insurance with Permanent Disability cover up to ₹10 lakh
- Complimentary spa session, gym access, and an annual golf game/lesson at 20+ premium courses
- 24/7 concierge for travel, hotel, and lifestyle bookings
Pros
- + No joining or annual fee for life
- + Lounge access and lifestyle perks unusual for a secured card
- + Personal accident insurance included
- + UPI-linked RuPay card
Cons
- − High minimum FD (₹1,15,000) for this variant
- − Cashback capped at ₹3,000 per billing cycle
- − Modest 0.5% base cashback rate