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1st Year Fee: ₹ 0
Cashback
0.5% cashback on all card spends
Airport Lounge
Up to 8 domestic lounge visits per year
Lifetime Fee
Zero joining and annual fee charged
Author: Lepakshi Phogat
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Stable Money Suryoday Bank RuPay Credit Card is an instant virtual FD-backed card offered on RuPay network. It is a lifetime free card with zero joining and annual fee that is issued against a fixed deposit worth Rs. 1,000 to Rs. 5.55 lakh. Cardholders get an 8% interest on their FD amount and 0.5% cashback on their UPI and other spends. This cashback benefit is accompanied by complimentary airport lounge access which is not often offered with such lifetime free FD-backed secured cards. Moreover, this RuPay credit card comes with a credit free period of up to 55 days.
This card allows the users to not just get access to credit, but also build score while earning value-back as cashback on spends. The accrued cashback is visible on the Stable Money app within 1 to 3 working days of the date of transaction. Cardholders can further maximise their savings by getting RuPay Select card variant on an FD amount of min. Rs. 1.15 lakh and availing the associated RuPay network offers and benefits. However, if the FD amount is less than Rs. 1.15 lakh, RuPay Platinum variant is offered. Read on to know more about the features and benefits of Stable Money Suryoday Bank RuPay Credit Card.
Cashback Benefits
Airport Lounge Access
RuPay Benefits
Insurance Coverage
Fuel Benefit

| Particulars | Amount |
|---|---|
| Joining/Annual Fee | Nil |
| Finance Charges | 2.95% p.m. (35.40% p.a.) + GST |
| Late Payment Fee | 1% of the amount payable or Rs. 250, whichever is lower + GST |
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
Age: >18 years and <80 years
Min FD Amount: Rs. 1,000
Max. FD Amount: Rs. 5.55 lakh
Cashback3.0/5
Lounge Access3.0/5
Stable Money Suryoday Bank RuPay 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.
Everything you need to know about this 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.
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.
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.
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.
Yes, the 0.5% cashback earnings on card spends are capped at Rs. 3,000 for every month.
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Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.