Suryoday Small Finance Bank credit cards

5 verified offerings. Additional coverage outside the frozen 401-name audit; directory-only.

These are not calculator models. No score, point value or partner alias is imported.

Verified offerings

1. Suryoday SFB RuPay Select Credit Card
2. Suryoday SFB RuPay Platinum Credit Card
3. Suryoday SFB Stable Money RuPay Select Credit Card
4. Suryoday SFB Stable Money RuPay Platinum Credit Card
5. MobiKwik First Suryoday SFB RuPay Platinum Credit Card

Five names, not five universal scores

The issuer's general and secured catalogues verify these names. Fixed-deposit backing and eligibility matter: the secured page names resident individuals above 18 and below 80, with an existing un-liened, non-corporate, non-tax-saver FD. Amount and account rules depend on the exact product and issuance cohort. These are not duplicate calculator models for networks or virtual/physical cards.

A bound cashback cycle, not a universal rate

The linked Stable Money FAQ specifies 0.5% on eligible transactions, a ₹3,000 cap per billing cycle and statement posting. Its exclusions include wallet recharges, financial institutions, government services, charity, foreign-currency purchase, insurance, railway, mutual funds/cash, education, transport, fuel, utilities and rent, identified by MCC. Merchant classification and reversals matter.

The catalogue labels 0.5% with “w.e.f 1-Aug” without a year there. The separate MobiKwik First headline is 1%; we do not apply the Stable Money cap, exclusions, posting rule or costs to it. Its issuer-linked MITC could not be retrieved in this check. No universal 1% score is imported.

Fees depend on the named product and issuance cohort

The named Select page separates cards issued from May 26, 2026 from cards issued till May 25, 2026. The retrieved newer Select KFS and MITC list nil joining fees and ₹150 plus GST annual fees, waived on annual spends of ₹50,000 or more. This is a declared rule for that document, not a blanket lifetime-free or cost rule for all five names. Headline lifetime-free language is conditional. Fees and FD requirements for other variants are not copied from it.

The generic secured catalogue's Select MITC link points to the Platinum MITC file. This is an issuer-site link inconsistency; the named Select page offers separately labelled documents. We leave the inconsistency disclosed rather than silently treating the Platinum file as Select terms.

Future Stable Money terms: not active today

Checked October 2, 2026. The issuer has published a Stable Money change notice effective Monday, October 5, 2026. These future terms are not applied today. It names second-card issuance fees, early limit-reduction and closure charges, physical Platinum FD of ₹50,000, removal of gym and golf benefits, eligible zero-forex terms and FD liquidation/payment changes. They are scoped to that notice, not asserted for MobiKwik or every base card.

The published notice lists second-card fees including GST of ₹150 for virtual Platinum, ₹250 for physical Platinum and ₹500 for virtual/physical Select. It names a ₹150 early-closure charge and a conditional ₹150 limit-reduction charge. Check the effective date, cohort and final KFS before applying any cost or benefit.

Unpriced, not absent

Cashback, lounge, network offers, insurance, concierge and FD interest remain unpriced here. FD interest is not card-spend ROI. Full named-account costs, reward eligibility and effective terms are needed before scoring. No score, point value or partner alias is imported.

Scope and freshness

Checked 2 October 2026. This is a verified subset, not a guarantee of approval, availability or unchanged terms. Full current variant and account rules are needed before scoring.

Issuer sources

Issuer catalogue · Secured issuer catalogue · Named Select page and issuance cohorts · Stable Money cashback FAQ · Select KFS issued from May 26 · Select MITC issued from May 26 · Stable Money changes effective October 5 · Future Select MITC