Suryoday SFB Stable Money RuPay Select Credit Card
Suryoday Small Finance Bank
Last updated: Feb 03, 2026
₹150
₹150
3%
10 visits/yr
Contents
A secured, FD-backed RuPay Select credit card offered via Suryoday SFB and Stable Money that gives instant virtual access and simple ongoing cashback. It is positioned as a lifetime-free/low-cost option for users who want to build credit, use UPI/virtual cards and keep their deposit earning while enjoying RuPay partner offers.
Features of Suryoday SFB Stable Money RuPay Select Credit Card which makes it unique
FD-backed Credit Limit
Credit limit secured against an FD; FD continues to earn interest while providing collateral.
Good for first-time credit users and those who prefer secured credit.
Unlike unsecured cards, the FD stays in your account earning interest.
Rewards Structure of Suryoday SFB Stable Money RuPay Select Credit Card
Base
baseAll Spends
Milestones of Suryoday SFB Stable Money RuPay Select Credit Card
None
N/A : No separate milestone reward on this variant.
Fees & Charges of Suryoday SFB Stable Money RuPay Select Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹150 |
| Annual Fee | ₹150 |
| Forex Markup Fee | 3% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | 0% |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waived if card utilisation ≥ 40% of approved credit limit in the year.
Fee Explanation Fees and charges as per the Key Fact Statement (KFS). Joining and annual fee shown are INR 150 + GST; utilisation-based waiver and other service charges apply as per bank T&C. | Late payment fee details: 1% of amount due (per KFS; minimum as per bank T&C).
Detailed Explanation of Suryoday SFB Stable Money RuPay Select Credit Card Fees
Joining Fee: 150 + GST (one-time)
Per KFS; shown as INR 150 + GST.
Annual Fee: 150 + GST (yearly)
Waived if utilisation ≥ 40% of approved credit limit.
Cashback Cap: ₹3,000 (per billing cycle)
Maximum cashback cap per billing cycle as per product page/KFS.
Lounge Access Benefits with Suryoday SFB Stable Money RuPay Select Credit Card
domestic Lounges
silverVisits per year: 10
Guest access: Yes
Physical cardholders may be eligible for complimentary lounge visits through RuPay partner offers; confirm on RuPay offers page.
Insurance Coverage with Suryoday SFB Stable Money RuPay Select Credit Card
RuPay insurance programmes
As per RuPay programmeOptional/add-on RuPay insurance benefits available; check issuer/RuPay T&C.
Additional Features of Suryoday SFB Stable Money RuPay Select Credit Card
UPI Linkable
Card can be linked to UPI for seamless payments and PayLater-like flows.
Instant Virtual Card
Start transacting online immediately via virtual card after FD booking.
Contactless Payments
Tap-and-pay enabled (where merchants accept contactless).
Welcome Bonus with Suryoday SFB Stable Money RuPay Select Credit Card
Welcome Bonus: NA
Bonus Conditions: No introductory bonus available; card focuses on ongoing 0.5% cashback and FD-backed features.
Application Process for Suryoday SFB Stable Money RuPay Select Credit Card
Processing Time
Instant virtual card; physical card dispatched within 7–10 business days.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Open an FD with Suryoday SFB via Stable Money or Suryoday portal.
Complete KYC and link the FD as collateral.
Receive instant virtual RuPay Select card to start transacting.
Physical card dispatched within 7–10 business days (subject to verification).
Required Documents for Suryoday SFB Stable Money RuPay Select Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
FD Proof
allAccepted documents:
Suryoday SFB Stable Money RuPay Select Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India where RuPay is accepted
International Acceptance
Accepted where RuPay international acceptance is enabled; verify merchant acceptance overseas
Online Acceptance
Yes — instant virtual card usable for online payments and UPI
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Suryoday SFB Stable Money RuPay Select Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Requires a minimum fixed deposit (FD) with Suryoday SFB via Stable Money; FD amount determines credit limit and the FD continues to earn interest while secured against the card.
How Approval Is Decided
- Indian resident with valid KYC (PAN & Aadhaar)
- FD booked with Suryoday SFB to secure the credit limit
- Minimum age 18 (per bank rules)
Pros of Suryoday SFB Stable Money RuPay Select Credit Card
- Low-cost / lifetime-free structure with small joining/annual fee
- Works with UPI and instant virtual cards — good for digital-first users
- FD-backed — easier approval and credit-building for those without prior credit history
Cons of Suryoday SFB Stable Money RuPay Select Credit Card
- Limited upside on reward rates (flat 0.5%); not a premium travel/rewards card
- Monthly cashback cap (₹3,000) limits returns for very high spenders
- Some benefits (lounges/insurance) depend on RuPay partner programmes; check T&C
Frequently Asked Questions about Suryoday SFB Stable Money RuPay Select Credit Card
Is there an annual fee for this card?
Yes — INR 150 + GST yearly (joining fee also INR 150 + GST). Annual fee can be waived if card utilisation is ≥ 40% of the approved credit limit as per the KFS.
What is the rewards rate?
This card offers a straightforward 0.5% cashback on eligible transactions, with a cap of ₹3,000 per billing cycle.
Do I need income proof to apply?
No income proof is typically required for the FD-backed (secured) card; eligibility is driven by the FD and KYC. Check the application flow on Stable Money or Suryoday portals.
Can I use the card immediately after applying?
Yes — an instant virtual card is issued after FD booking so you can transact online immediately; a physical card is dispatched later.
Will my FD continue to earn interest?
Yes — your fixed deposit continues to earn interest at Suryoday SFB rates while it is kept as collateral for the secured card.
Is the card accepted for international spends?
The card is a RuPay card and is accepted at merchants that accept RuPay internationally; foreign transaction/forex markup may apply as per issuer rates.
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