Build Your Credit with the Secured Suryoday SFB RuPay Select Credit Card

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

16 Apr 26
3 mins

Shreyansh Singh

08 Mins
16-04-26

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Table of Contents

Suryoday Small Finance Bank RuPay Select Credit Card Benefits
Suryoday SFB RuPay Select Credit Card Charges

Requires a FD above ₹1,15,000.
Earn 0.5% cashback up to ₹3,000 per cycle.
Get 2 lounge visits per quarter; up to 8 visits yearly.
Insurance cover available up to ₹10,00,000.

The Suryoday SFB RuPay Select Credit Card is a secured card linked to your Fixed Deposit, which helps you build credit safely. It offers a lifetime-free structure under certain terms and conditions. This card is a co-branded offering from Suryoday SF Bank and Stable Money.

With access to this instant virtual card, you earn interest on your FD while using it for UPI and purchases. Available for FD above ₹1,15,000, it also provides cashback, offers, and secure digital payments.

Suryoday Small Finance Bank RuPay Select Credit Card Benefits

This card offers 0.5% cashback on eligible spends, capped at ₹3,000 per billing cycle from 1st August 2025.

It also includes RuPay benefits and savings on everyday transactions. Want to know what are the other features of the Suryoday Bank RuPay Select Credit Card?

Lounge Access: Enjoy Suryoday Bank Credit Card lounge access with 2 visits per quarter, up to 8 domestic visits yearly.
Insurance Cover: Get insurance protection with coverage up to ₹10,00,000.
Concierge Service: Available 24/7 for travel bookings, hotel reservations, and lifestyle assistance.
Gym Access: Receive complimentary gym membership benefits for a year.
Wellness Benefits: Enjoy services like spa sessions, salon vouchers and health packages.
Golf Access: Play at 20+ premium golf courses with complimentary games and lessons.

Note: The RuPay Select wellness benefits include gym membership, health check-ups, spa sessions, and salon services once every year.

Suryoday SFB RuPay Select Credit Card Charges

The card carries a finance charge of 2.95% per month, which equals 35.40% annually, along with applicable GST. This rate applies to outstanding balances on the card.

Here is a clear breakdown of other charges applicable to this credit card.

Parameters	Charges
Physical Card Issuance Fee	₹499+GST
Cash Advance Fees	Up to 2.5% or min. ₹750+GST
Overlimit Fee	NA
Foreign Currency Surcharge	2.50%+GST
Card Replacement Fee	₹499+GST
Card Closure Fee	₹150+GST
Late Payment Fees	1% or ₹250 (whichever is lower)+GST

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Footnotes

A charge of ₹2 applies for each domestic lounge visit. This amount is not refundable to the cardholder.
Fuel surcharge waiver applies only up to ₹40,000 monthly. Each transaction must stay below ₹8,000 to qualify.
In case an annual fee is applied, you can receive a waiver by spending ₹50,000 or more.

FAQs

Who can apply for this credit card?

Applicants must be 18 to 80 years old with an active FD. The Suryoday SFB RuPay Select Credit Card online application also requires a valid FD and a clean credit history.