M16S / Suryoday Small Finance Bank / Suryoday SFB Stable Money RuPay Platinum Credit Card
entry · cashback, secured, cobrand, upi
Suryoday SFB Stable Money RuPay Platinum Credit Card
Its base return is 0.5% (0.5% cashback (w.e.f. 1 Aug)). The forex markup is 2.5%. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- —
- Fee waived at
- —
- Base return
- 0.5%
- Forex markup
- 2.5%
- Interest
- 2.95%a month
Apply on suryoday.bank.inOpens the bank’s own page.
Fees
| Fee notes | No KFS specific to the Stable Money Platinum variant was located. Bank page says lifetime-free* virtual card; the Stable Money Select KFS charges Rs 150 annual. Fees left null. |
|---|
Rewards
| Reward currency | Cashback |
|---|---|
| Base earn | 0.5% cashback (w.e.f. 1 Aug) |
| Base return | 0.5% |
| Point value | Cashback adjusted against next statement |
| Caps | Cashback capped at Rs 3,000 (bank page) |
| Spends that earn nothing | Not published |
| Reward notes | base_return_pct = 0.5% as stated on the bank page. |
Travel and perks
| Forex markupunverified | 2.5% |
|---|---|
| Fuel surcharge waiverunverified | 1% surcharge waived on fuel spend up to Rs 40,000 per calendar month, no single txn above Rs 8,000 |
Charges and eligibility
| Interest per monthunverified | 2.95% |
|---|---|
| Late payment feeunverified | 1% of amount payable or Rs 250, whichever is lower (per Suryoday credit card MITC) |
| Cash advance feeunverified | Up to 2.5% with a minimum fee; capped at 20% of credit limit |
| Eligibility | Age above 18 and below 80; resident individual; existing eligible FD with Suryoday SFB. No income proof. For FDs below the Select threshold. |
| Fine-print notes | FD-backed: needs an un-liened, non-corporate, non-tax-saver FD with Suryoday; FD is lien-marked and may be liquidated if the account is overdue more than 60 days. Program manager is 42 Card Solutions Pvt Ltd. Minimum amount due 10%. Rent (MCC 6513) surcharge 1%, rent capped at 40% of limit per month. EMI at 18% a year, processing fee 3% or Rs 300. Limit as a percentage of FD is not published in the KFS or MITC. The bank keeps separate KFS/MITC sets for cards issued until 25 May 2026 and from 26 May 2026; the links on the product pages could not be resolved, so the documents were found by search and their mapping to issue date is inferred. Sold through the Stable Money app, which describes itself as a distributor. Stable Money's own page says minimum FD Rs 50,000 and Select above Rs 1,12,000, while its aggregator-style page says FD from Rs 1,000; the figures conflict. Stable Money's benefits PDF (assets.stablemoney.in) was blocked by robots.txt. Charges shown are from the generic Suryoday Platinum MITC, not a Stable Money-specific document. |
Questions
- What is the forex markup on the Suryoday SFB Stable Money RuPay Platinum Credit Card?
- 2.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Suryoday SFB Stable Money RuPay Platinum Credit Card?
- Not published