Suryoday Small Finance Bank
Suryoday SFB Stable Money RuPay Platinum Credit Card
Flat 0.5% cashback on card and UPI spends, adjusted against your next bill, capped at ₹3,000 per billing cycle. Fuel, rent, utilities, phone and wallet recharges, insurance, education, government payments, trains, metro, buses and cab rides earn nothing.
- Lifetime free
- Works on UPI (RuPay)
- RuPay
Pros and cons
Good
- Lifetime free: no joining or annual fee
- Works on UPI and earns 0.5% there
- Airport lounge visits with no published spend condition
- No forex markup
Watch out for
- Earns nothing on fuel, insurance, wallet loads, rent, utility bills and government payments
- Who it's for
- Anyone who wants a no-fee card for everyday spends that also works on UPI.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 0.5% (base rate)
- Online shopping
- 0.5%
- Fuel
- 0%
- Groceries
- 0.5%
- UPI
- 0.5%
- Travel
- 0.5%
- Bills and utilities
- 0%
- Dining and food delivery
- 0.5%
Fees and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Lifetime free: no joining or annual fee. A one-time ₹150 fee (including GST) applies if you close the card or cut its limit to ₹4,500 or less within 3 months of issue.
- Forex markup
- 0%
- Fuel surcharge waiver
- 1% fuel surcharge waived on fuel spends of up to ₹40,000 a calendar month, with no single transaction above ₹8,000. Fuel earns no cashback.
Benefits and eligibility
- Airport lounge
- Physical card only (needs a bigger FD): 2 domestic airport lounge visits a quarter and 2 international visits a year, with a token charge of ₹2 or $1 per visit. No spend needed. The virtual card has no lounge access.
- Card network
- RuPay
- UPI payments
- Yes, as a RuPay credit card
- Minimum income (salaried)
- Not published by the bank
- Eligibility
- Issued against a Suryoday Small Finance Bank fixed deposit booked through the Stable Money app; no income proof needed. The limit is up to 90% of the FD. A physical card needs an FD of ₹50,000 or more; Suryoday doesn't currently state the minimum FD for the virtual card. Resident Indian individuals aged 18 to 80; the FD must be in your own name, not a tax-saver or corporate FD, and not already under lien. If you don't pay, the bank can break the FD to recover dues (after 60 days overdue, or when dues reach 98% of the FD). Approval at the bank's discretion.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the Suryoday SFB Stable Money RuPay Platinum Credit Card?
View on Stable Money siteIssuer's site. We don't earn from this card.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by Suryoday Small Finance Bank.
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What changed recently
- FeesBetter for you
No forex markup on eligible international transactions.
Before: Not published for this card · After: 0%
Bank's notice or terms - OtherWorse for you
A physical Platinum card now needs a fixed deposit of ₹50,000.
Before: Not published · After: ₹50,000 FD
Bank's notice or terms - FeesWorse for you
New one-time ₹150 fee (incl. GST) if you close the card, or cut its limit to ₹4,500 or less, within 3 months of issue; a second card costs ₹150 (virtual) or ₹250 (physical).
Before: No such fees published · After: ₹150 early closure or limit-reduction fee; ₹150/₹250 second card
Bank's notice or terms
Questions people ask
Is the Suryoday SFB Stable Money RuPay Platinum Credit Card worth it in 2026?
Yes, as a no-fee card for everyday spends that also works on UPI: it costs nothing to keep. The catch: earns nothing on fuel, insurance, wallet loads, rent, utility bills and government payments.
Is the Suryoday SFB Stable Money RuPay Platinum Credit Card lifetime free?
Yes. The bank's fee schedule shows no joining fee and no annual fee.
Does the Suryoday SFB Stable Money RuPay Platinum Credit Card work on UPI?
Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 0.5% on UPI spends.
Does the Suryoday SFB Stable Money RuPay Platinum Credit Card give airport lounge access?
Physical card only (needs a bigger FD): 2 domestic airport lounge visits a quarter and 2 international visits a year, with a token charge of ₹2 or $1 per visit. No spend needed. The virtual card has no lounge access.
What earns no rewards on the Suryoday SFB Stable Money RuPay Platinum Credit Card?
No cashback on fuel, rent, electricity, gas and water bills, mobile and wallet recharges, insurance, school and college fees, government and tax payments, charities, mutual funds and other financial payments, foreign currency purchases, cash withdrawals, trains, metro, buses and cab rides. Cashback on a purchase is reversed if you convert it to EMI or the purchase is cancelled, and unadjusted cashback is lost if you close the card. A 1% fee applies to rent payments.
Is there a limit on rewards with the Suryoday SFB Stable Money RuPay Platinum Credit Card?
Cashback is capped at ₹3,000 per billing cycle, reached at ₹6 lakh of eligible spend.
Who can get the Suryoday SFB Stable Money RuPay Platinum Credit Card?
Issued against a Suryoday Small Finance Bank fixed deposit booked through the Stable Money app; no income proof needed. The limit is up to 90% of the FD. A physical card needs an FD of ₹50,000 or more; Suryoday doesn't currently state the minimum FD for the virtual card. Resident Indian individuals aged 18 to 80; the FD must be in your own name, not a tax-saver or corporate FD, and not already under lien. If you don't pay, the bank can break the FD to recover dues (after 60 days overdue, or when dues reach 98% of the FD). Approval at the bank's discretion. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read Suryoday Small Finance Bank's own terms and product page on 20 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 20 Oct 2026 on Suryoday Small Finance Bank's official page. Fees and rewards change; check the issuer's terms before you apply.