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Suryoday Small Finance Bank
A secured RuPay card on a deposit from Rs. 1,000, with UPI and an instant virtual card
One-time
Per year
Uncapped rewards
Standard approval
Applying takes you to Suryoday Small Finance Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms read from published copy
The rates below were read from Suryoday Small Finance Bank’s published wording rather than a confirmed rate table, so treat them as indicative.
Terms effective from 10 Oct 2026.
See where each figure came fromData-driven verdict based on net earnings after fees and caps.
Key strength
This card publishes no category-wise reward rates.
Biggest limitation
No cashback or reward rate is published, so the return on spending cannot be calculated.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
We do not have category-wise reward rates recorded for this card. Check the issuer's page before relying on it.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹177 | — |
| Annual / renewal fee | ₹177 | The issuer publishes no spend-based waiver for this card's annual fee. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹177 a year
charged with no published way to avoid it
This card carries no airport lounge access.
No fuel surcharge waiver is published for this card.
Linkable to UPI. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
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| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Suryoday SFB FD-Backed Credit Card · this card | ₹177 | Not published | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
| Indian Overseas Bank ZET FD Credit Card | Lifetime free | Up to 5% cashback | No |
| RBL Bank SalarySe UP Credit Card | ₹589 | See card | No |
| YES Bank Rio RuPay Credit Card | Lifetime free | See card | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹177 plus GST, with no published spend-based waiver.
No — airport lounge access is not offered on this card.
Yes. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Suryoday's fixed deposits start at Rs. 1,000 and go up in multiples of Re. 1, for a term from seven days to ten years. That is the lowest entry point of any secured card in this catalogue — most ask for Rs. 2,000 to Rs. 10,000 — and the deposit keeps earning interest while it secures the card.
The bank markets the FD-backed card as lifetime free with no hidden charges. The Key Fact Statement for the RuPay Select variant publishes a joining fee of Rs. 150 plus GST and an annual fee of Rs. 150 plus GST. Both come from Suryoday, so ask which applies to the variant you are offered before you accept it — the difference is small in rupees but it decides whether the lifetime free claim is true for you.
That cannot be calculated from what Suryoday publishes. The bank says the card pays cashback on spends but does not publish a rate, a cap or an exclusion list. Treat the rewards as incidental and judge the card on the deposit requirement, the fee and the credit history it builds.
Anybody an unsecured card would decline — no credit score, a thin or damaged file, or no income proof. A secured card removes the assessment entirely: the deposit covers the bank's risk, so approval does not depend on a bureau score. At a Rs. 1,000 deposit it is the cheapest way into a credit line in this catalogue.
Yes. It reports to the credit bureaus exactly like an unsecured card, so paying in full and on time builds history. Twelve to twenty-four months of that is usually what turns a thin file into one an unsecured card will approve, which is the real reason to take a card like this.
Yes. It runs on RuPay, and RuPay is the only network whose credit cards can be linked to a UPI app. Suryoday also issues an instant virtual card on approval, so the credit line can be used at a QR code before the physical card is delivered.
Every secured card works the same way: a fixed deposit stands as the bank's security, so no credit score or income assessment is needed. What separates them is how much money has to be locked up, and most in this catalogue ask for Rs. 2,000 to Rs. 10,000.
Suryoday's fixed deposits start at Rs. 1,000, in multiples of Re. 1, for a term you pick from seven days to ten years. For the applicant a secured card exists to serve — a first job, a thin file, income that is hard to document — that is the lowest bar here, and the money is pledged rather than spent.
Suryoday markets the FD-backed card as lifetime free with no hidden charges. The Key Fact Statement it publishes for the RuPay Select variant gives a joining fee of Rs. 150 plus GST and an annual fee of Rs. 150 plus GST.
Both statements are the bank's own, so the likely explanation is that the two variants are priced differently — Platinum free, Select at Rs. 150 — but Suryoday does not say that anywhere we can cite. This page records the published fee, which is the conservative reading. Ask which variant you are being offered and what it costs before you accept the card.
The bank says the card pays cashback on spends. It does not publish a rate, a cap, or a list of what is excluded, so there is no honest way to state what the card returns. Anybody comparing reward rates should look at the cashback cards elsewhere in this catalogue.
What this card does deliver is a credit line without a bureau test, a RuPay number that works at any QR code, an instant virtual card so the line is usable the day it is approved, and a bureau record. That record is the point: a year or two of paying in full on time is what makes an unsecured card available later.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Suryoday SFB FD-Backed Credit Card — see the rates above. ₹177 a year.