Suryoday Small Finance Bank Suryoday SFB RuPay Select Credit Card

Charge

• Physical card issuance fee: ₹150 + GST.
• Issuance Fee: ₹150 + GST (levied if credit limit reduced to zero within 12 months of issuance, once per card lifecycle).
• Card Closure Fee: ₹150 + GST (if card closed within 12 months of issuance).
• Card Replacement Fee (loss/theft): ₹150 + GST.
• Late Payment Fees: 1% of amount payable or ₹250 whichever is lower + GST.
• Cash Advance Fees: up to 2.5% of amount withdrawn, minimum ₹500 + GST (cash advances restricted to 20% of credit limit).
• Finance Charge (APR): daily 0.09833333% + GST (2.95% + GST per month / 35.40% APR + GST) on revolving credit and cash advances.
• Foreign Currency Surcharge: 2.5% of transaction value after conversion to INR + GST.
• EMI Interest Rate: 18% p.a.
• EMI Processing Fee: 3% of principal or ₹300 whichever greater.
• EMI Preclosure Charges: 3% of principal outstanding at foreclosure or ₹300 whichever greater.
• Surcharge on Rental Payments: 1% of transaction amount + GST (max 40% of credit limit for rentals per calendar month).
• GST: 18%.
• (w.e.f. 15 November 2025).

Verified · MITC – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest) · 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 50 days total for early-cycle purchases.
• Not applicable to Cash Advance Transactions.
• Suspended if any balance from the previous month's statement is unpaid.

Verified · MITC – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest) · 2026-08-02 · source

Fuel surcharge waiver

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

Verified · MITC – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest) · 2026-08-02 · source

Milestone benefit

Annual fee waived on annual spends of ₹50,000 or more (spend-based waiver per MITC 18 Dec / original versions).

Verified · KFS – Suryoday SFB RuPay Select Credit Card (December 2024 version) · 2026-08-02 · source

Redemption value

Cash back credited to your Credit Card Account is adjusted towards the balance on your next Credit Card Statement.

Verified · MITC – RuPay Select Credit Card (w.e.f. 15 Nov 2025, 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

Golf benefit

Golf Program: Access to over 20+ premium golf courses with a complimentary golf game / lesson every year.

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

Eligibility

• Individuals - Indian citizens and residents, with fixed deposits (FD-backed card).
• Credit limit linked to pledged FD and shall not exceed 90% of FD value at issuance, subject to a maximum cap of ₹5,00,000.

Verified · Key Fact Statement (KFS) – RuPay Select Credit Card (w.e.f. 15 Nov 2025, latest) · 2026-08-02 · source

Official terms

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

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