Suryoday Small Finance Bank Suryoday SFB RuPay Platinum Credit Card

Charge

• Finance Charge (APR): up to 0.09833333% per day, i.e. 2.95% per month (35.40% p.a.) + GST on revolving credit and cash advances.
• Cash Advance Fee: up to 2.5% of amount withdrawn, minimum ₹500 + GST.
• Cash advances restricted to 20% of credit limit.
• Late Payment Fee: 1% of amount payable or ₹250 whichever is lower + GST.
• Foreign Currency Surcharge: 2.5% + GST.
• Minimum Payment Due: 10% of billed amount plus any EMI(s), overdue and overlimit amounts.
• Physical Card Issuance Fee: Nil.
• Card Replacement Fee: Nil.
• Surcharge on Rental Payments (MCC 6513): 1% of transaction amount + GST (max 40% of credit limit usable for rentals per calendar month).
• Fuel Surcharge: 1% of transaction amount + GST.
• Overlimit Fee: NA.
• EMI Interest Rate: 18% p.a.
• EMI Tenure: 3, 6, 9 and 12 months.
• EMI Processing Fee: 3% of principal or ₹300 whichever is greater.
• EMI Preclosure Charges: 3% of principal outstanding or ₹300 whichever is greater.
• TCS/TDS: as per prevailing rate.
• GST: 18%.

Verified · Most Important Terms & Conditions (MITC) – SSFB RuPay Platinum Credit Card · 2026-08-02 · source

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 about 50 days for a purchase early in the statement cycle).
• Does not apply to Cash Advance Transactions.
• Lost if the previous month's Total Amount Due is not paid by the Payment Due Date.

Verified · Most Important Terms & Conditions (MITC) – SSFB RuPay Platinum Credit Card · 2026-08-02 · source

Fuel surcharge waiver

• Fuel surcharge waiver limited to ₹40,000 in a calendar month with no single transaction being over ₹8,000.
• Fuel transactions above these limits get no surcharge waiver.
• (Fuel surcharge itself is 1% of the transaction amount.).

Verified · Key Fact Statement (KFS) – SSFB RuPay Platinum Credit Card (current/latest) · 2026-08-02 · source

Reward cap

Cashback is capped at ₹3,000 in a billing cycle.

Verified · harvested from product page · 2026-08-02 · source

Reward exclusion

Verified · harvested from product page · 2026-08-02 · source

Eligibility

• Individuals - Indian citizens and residents.
• Must have an existing un-liened, non-corporate, non-Tax-saver Fixed Deposit with SSFB.
• Card is issued against the pledge of the FD (secured/FD-backed card).

Verified · Key Fact Statement (KFS) – SSFB RuPay Platinum Credit Card (current/latest) · 2026-08-02 · source

Official terms

https://suryoday.bank.in/personal/cards/credit-cards/secured-ssfb-rupay-platinum/.

Verified · Suryoday SFB RuPay Platinum Credit Card product page · 2026-08-02 · source