M16S / Suryoday Small Finance Bank / Suryoday SFB Stable Money RuPay Select Credit Card
entry · cashback, secured, cobrand, upi
Suryoday SFB Stable Money RuPay Select Credit Card
The Suryoday SFB Stable Money RuPay Select Credit Card costs Rs 150 a year. Its base return is 0.5% (0.5% cashback (w.e.f. 1 Aug)). The forex markup is 2.5%. Lounge visits in India: 8 domestic lounge visits per Stable Money page. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Rs 150+ GST
- 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
| Joining fee | Free |
|---|---|
| Annual fee | Rs 150 |
| Fee notes | KFS effective 15 Nov 2025: joining nil, annual Rs 150, physical card Rs 150, replacement Rs 150; Rs 150 issuance fee if limit is cut to zero within 12 months; Rs 150 closure fee if closed within 12 months. Stable Money community post: first 5,000 cards lifetime free. |
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 |
| Capsunverified | Cashback capped at Rs 3,000 (bank page); press release says per billing cycle |
| Spends that earn nothing | Not published |
| Reward notes | base_return_pct = 0.5% as stated on the bank page. |
Travel and perks
| Domestic loungeunverified | 8 domestic lounge visits per Stable Money page |
|---|---|
| Lounge conditions | Only on the physical card |
| Forex markup | 2.5% |
| Fuel surcharge waiver | 1% surcharge waived on fuel spend up to Rs 40,000 per calendar month, no single txn above Rs 8,000 |
| Other freebiesunverified | RuPay Select offers: health check-ups, spa or salon, golf session, brand discounts (per Stable Money pages) |
Charges and eligibility
| Interest per month | 2.95% |
|---|---|
| Late payment fee | 1% of amount payable or Rs 250, whichever is lower |
| Cash advance fee | Up to 2.5%, min Rs 500; capped at 20% of credit limit |
| Eligibilityunverified | Age above 18 and below 80; resident individual; existing eligible FD with Suryoday SFB. No income proof. Select tier needs an FD above about Rs 1.12-1.15 lakh. |
| 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. A newer KFS may apply to cards issued from 26 May 2026; not located for the Stable Money variant. |
Questions
- What is the annual fee of the Suryoday SFB Stable Money RuPay Select Credit Card?
- Rs 150 a year, before GST.
- Does the Suryoday SFB Stable Money RuPay Select Credit Card give airport lounge access?
- Yes. In India: 8 domestic lounge visits per Stable Money page. Outside India: none listed. Conditions: Only on the physical card
- What is the forex markup on the Suryoday SFB Stable Money RuPay Select Credit Card?
- 2.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Suryoday SFB Stable Money RuPay Select Credit Card?
- Not published