Suryoday Small Finance Bank Suryoday SFB Stable Money Rupay Platinum Credit Card

Charge

• Stable Money Suryoday SFB Platinum RuPay Credit Card charges (KFS w.e.f. 15 Nov 2025): 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• Cash Advance Fees - up to 2.5% of amount withdrawn, minimum ₹500 + GST (cash advances restricted to 20% of credit limit).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) - 2.95% p.m. (35.40% p.a.) + GST.
• Foreign Currency Surcharge - 2.50% + GST.
• Minimum Payment Due - 10% of billed amount plus EMIs and any overdue and overlimit amounts.
• Physical Card Issuance Fee - ₹150 + GST.
• Issuance Fee - ₹150 + GST.
• Card Closure Fee - ₹150 + GST.
• Card Replacement Fee - ₹150 + GST.
• GST - 18%.
• 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.
• Fuel Surcharge - 1% of transaction amount.
• Surcharge on Rental Payments - 1% of transaction amount (MCC 6513) + GST.
• Overlimit Fee - NA.

Verified · Key Fact Statement (KFS) – Stable Money Suryoday SFB Platinum RuPay Credit Card (Nov 2025) · 2026-08-03 · source

Interest-free period

• The period from the Statement date to the Payment Due Date.
• You get 20 days from statement generation date to repay dues.
• Pay the Total Amount Due in this period to avoid Finance Charges (except Cash Advance Transactions).
• Suspended if any balance from the previous month's bill is still outstanding.

Verified · Key Fact Statement (KFS) – Stable Money Suryoday SFB Platinum RuPay Credit Card (Nov 2025) · 2026-08-03 · source

Fuel surcharge waiver

• Fuel surcharge of 1% of the transaction amount.
• Fuel surcharge waiver limited to ₹40,000 in a calendar month with no single transaction over ₹8,000.
• No surcharge waiver applies on fuel transactions above these limits.

Verified · Key Fact Statement (KFS) – Stable Money Suryoday SFB Platinum RuPay Credit Card (Nov 2025) · 2026-08-03 · source

Redemption value

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

Verified · Most Important Terms & Conditions (MITC) – SSFB Platinum RuPay Credit Card (Mar 2025) · 2026-08-03 · source

Reward cap

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

Verified · harvested from product page · 2026-08-03 · source

Reward exclusion

Verified · harvested from product page · 2026-08-03 · source

Eligibility

• Individuals - Indian citizens and residents.
• FD-backed card with credit limit linked to fixed deposit(s).

Verified · Key Fact Statement (KFS) – Stable Money Suryoday SFB Platinum RuPay Credit Card (Nov 2025) · 2026-08-03 · source