Stable Money Suryoday Bank Credit Card

Cashback Benefits

• Earning: 0.5% cashback on all card spends, including UPI transactions
• Capping: Cashback capped at Rs. 3,000 for every statement cycle

Airport Lounge Access

• Up to 8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter

RuPay Benefits

• RuPay Select Offer: RuPay Select card variant issued if FD amount is above Rs. 1.15 lakh (otherwise RuPay Platinum is issued)
• RuPay Select Wellness Program: Gym membership, health check-up, spa and salon services, and golf sessions are offered once a year under this program

Insurance Coverage

• Sum insured of up to Rs. 2 lakh: For RuPay Platinum cardholders
• Sum insured of up to Rs. 10 lakh: For Rupay Select cardholders

Fuel Benefit

• Fuel surcharge waiver on fuel transactions of up to Rs. 8,000, capped at Rs. 40,000 monthly fuel spends

• Age: >18 years and <80 years
• Min FD Amount: Rs. 1,000
• Max. FD Amount: Rs. 5.55 lakh

Based on Stable Money Suryoday Bank Credit Card’s features, you can consider getting this credit card if:

• You are new-to-credit and beginning your credit journey or wish to build your credit score through credit card
• You want a lifetime free credit card with cashback benefits on UPI and other transactions
• You want an entry-level card that also offers complimentary domestic lounge access

Stable Money Suryoday Bank Credit Card is an instant virtual secured credit card. It offers cashback across spends, including UPI transactions, thus eliminating the hassle of reward redemption. Cardholders can get this card at zero annual fee against an FD with an interest of 8%. Despite being a lifetime free card, it also comes with complimentary airport lounge access without any associated spend-based condition. Moreover, those who have an FD amount of above Rs. 1.15 lakh, also get an upgraded card variant with additional lifestyle benefits. Here are some of the pros and cons of this card:

Pros

• Hassle-free cashback on all spends, including UPI transactions
• Lifetime free card with 8% interest on FD
• Up to 8 free domestic airport lounge visits every year
• Additional lifestyle benefits for RuPay Select cardholders

Cons

• Low value-back rate through cashback earnings
• High FD amount requirement for RuPay Select card variant benefits

Can NRIs apply for Stable Money Suryoday Small Finance Bank RuPay Credit Card
Stable Money Suryoday Bank Credit Card is offered to resident individuals only. Non-residents would not be eligible to apply for this card.

Can I make UPI payments using Stable Money Suryoday SFB Credit Card?
Yes, since Stable Money Suryoday is on RuPay network card, you can link this card to any UPI app of choice and make the UPI payments online or at any POS.

How to raise a transaction dispute on Stable Money Suryoday SFB Credit Card?
In order to raise a dispute regarding any transaction made using Stable Money Suryoday Credit Card through Suryoday SFB mobile banking app. There is a customer support team that you can contact through the shared support email scc@suryodaybank.com or by calling at 18002667711.

How can I get RuPay Select variant of Stable Money Suryoday SFB Credit Card?
You can get RuPay Select card variant of Stable Money Suryoday Bank Credit Card against a fixed deposit amount of Rs. 1.15 lakh or more.

Is there any capping on the cashback earnings on Stable Bank Siryoday Credit Card?
Yes, the 0.5% cashback earnings on card spends are capped at Rs. 3,000 for every month.