Suryoday SFB Credit Cards

1. Instant Virtual Card Approval: Start using your credit card instantly with an instant virtual card. 

1.  Exclusive RuPay Offers: Access deals and discounts all year long through the RuPay network. 

Features and Benefits of Suryoday SFB Credit Cards

Suryoday SFB credit cards have the following features which help provide a rewarding experience:  

1. Fixed Deposit Backing: You can link a fixed deposit to guarantee your credit limit, making it usable for new credit users. 

1. Contactless Transactions: You can conveniently tap and go for your everyday purchases. 

1. Global Acceptance: Your card is accepted by millions of merchants around the world, both online and offline. 

1. e-Statements: You receive e-statements monthly, so you can keep track of your spending and dues. 

1. 24/7 Customer Support: You can reach out for help anytime to the bank's dedicated Smile Centre. 

Eligibility for Suryoday SFB Credit Cards

Applicants for a Suryoday SFB credit card must meet the following eligibility criteria:  

1. Age: You must be at least 18 years of age. The upper limit is 80 years.  

1. Residency: You must be a resident Indian.  

1. Fixed Deposit: A fixed deposit is required with the bank, and the amount of your deposit determines your credit limit. The FD must be un-liened, non-corporate, and non-Tax-saver Fixed Deposit. 

1. Credit History: Strong credit history is valuable, but the secured nature of the card allows you some flexibility. 

Required Documents for Suryoday SFB Credit Cards

Identity Proof 

Provide one of the following government-issued documents: 

1. Aadhaar Card 

1. Passport 

1. Voter ID 

1. Driving License 

1. Government-issued ID card 

Address Proof 

Submit one of the following documents: 

1. Aadhaar Card (if not used as identity proof) 

1. Passport 

1. Utility Bills (e.g., electricity, water, or gas bill) 

1. Bank Account Statement (issued within the last 3 months) 

1. Ration Card 

1. Lease Agreement (if residing in a rented property) 

Photograph 

1. A recent passport-sized photograph. 

Signature Proof 

1. A signature specimen on the application form. 

Fixed Deposit (FD) Details 

1. FD Receipt or Bank Statement showing the Fixed Deposit in your name. 

1. The FD must be un-liened, non-corporate, and non-tax saver. 

1. The minimum FD amount required is Rs. 1,000. 

Income Proof (if applicable) 

1. Salary Slip (last 3 months). 

1. Income Tax Returns (last 2 years). 

1. Bank Statements (last 6 months). 

Other Documents (if applicable) 

1. Form 60 (if PAN is not available). 

1. PAN Card (mandatory for all applicants). 

Types of Suryoday SFB Credit Cards

Suryoday SFB RuPay Select Secured Credit Card 

The RuPay Select Secured Credit Card is perfect for clients who want a simple, hassle-free and lifetime-free credit card. It is simple to use, accessible, and rewarding to new credit users including homemakers and retirees.  

All of the following points are specifically designed for the client:  

1. No hidden charges 

1. UPI enabled. So, seamless payments and easy digital payments 

1. Virtual cards are issued instantly when approved. You can use the card immediately for online purchases 

1. Secured with a Fixed Deposit. So, while securing the card, the FD also earns interest 

1. No need to show income or the need to be an existing credit user 

1. 0.5% cash back on eligible transactions, providing a Rs.3,000 per month cap  

1. Exclusive RuPay promotions all year-round on discounts in categories such as dining, shopping, and lifestyle, plus more  

1. While secured with the FD, it earns interest 

1. Accessibility to clients without a credit score or who have never acquired a credit line before 

1. Exclusive merchant and bonus dicharging at partner outlets  

1. Complimentary airport lounge use at select areas (applies to terms and conditions)  

1. Concierge service round the clock for travel, hotel, and lifestyle assistance 

Suryoday SFB RuPay Platinum Secured Credit Card

The RuPay Platinum Secured Credit Card is the highest tier of SSFB’s FD-backed credit cards. It comes with the full suite of the Select card with elevated privileges and benefits for those who prefer a premium experience.  

Some key features of the card are as follows: 

1. UPI-enabled for seamless and hassle-free payments. 

1. Instant issuance of a virtual card for online or digital transactions. 

1. No prior income proof or credit history necessary, making it user-friendly for all types of consumers. 

1. Receive 0.5% back on all transactions, capped at Rs.3,000 per billing cycle.  

1. Enjoy exclusive RuPay merchant offers while shopping, traveling, dining, and for lifestyle purchases.  

1. Count on the linked Fixed Deposit to continue to receive interest.  

1. People have the opportunity to develop and or improve their credit history without any prior credit experience. 

1. Personal Accident Insurance coverage of up to Rs.2 Lakh. 

1. 24/7 concierge services for travel to plan your organization, hotel, and lifestyle.  

1. Free airport lounge access at certain airports, subject to terms and conditions.  

1. Year-round exclusive merchant discounts and partner offers. 

Suryoday Secured Credit Card  

The Suryoday Secured Credit Card offers a simple, customizable, and easy-to-use secured credit card solution for those who need a secured credit card without the burdens of annual fees. It's designed for first time users, homemakers, and retirees.  

The card has several key features: 

1. Lifetime fee free, no hidden fees or charges, no recurring fees. 

1. Digital payments can easily be done by linking to UPI. 

1. Get instant access to a virtual card that can be used immediately online or through UPI. 

1. FD-backed credit card, the fixed deposit can still earn interest and collateral. 

1. No requirements for previous credit, no income proof, highly easy to access. 

1. 0.5% cashback on all eligible transactions, monthly cap of Rs.3,000. 

1. Best of all, all year-round RuPay offers and deals that provide discounts on dining and shopping and travel and lifestyle access.    

1. The fixed deposit used for collateral earns interest the entire time the card is utilized.    

1. An ability for individuals to establish or build their credit history.    

1. Exclusive discounts with partnered merchants.      

1. Complimentary airport lounge access (terms and conditions apply).     

1. 24/7 concierge services for travel, booking, and lifestyle needs. 

Fees and Charges of Suryoday SFB Credit Cards

How to Apply for the Suryoday SFB RuPay Select Credit Card?

Follow the instructions given below to apply for the Suryoday SFB RuPay Select Credit Card:  

1. Step 1: Open the Suryoday Mobile Banking app on your smartphone and log in using your registered credentials. Make sure your app is updated to the latest version to avoid any interruptions during the application process. 

1. Step 2: Once you are logged in, navigate to the section labelled Credit Cards from the main menu. This section contains all available credit card options offered by Suryoday Small Finance Bank. 

1. Step 3: From the Credit Cards section, select Secured Credit Cards and then choose the RuPay Select option to begin the application. The RuPay Select card is designed for instant access and ease of use, making it ideal for everyday transactions. 

1. Step 4: The app will prompt you to link an existing Fixed Deposit as collateral for the secured credit card. Select the FD you wish to use and ensure all details of the FD are correct, as this forms the basis of your secured credit card. 

1. Step 5: You will then be asked to fill in your personal details, contact information, and any required KYC documents. Take your time to ensure that all the information is accurate and complete to avoid delays in processing. 

1. Step 6: Carefully review all the information entered in the application form. Double-check your contact details, FD information, and any other entries to ensure they are correct before submission. 

1. Step 7: Submit your application through the mobile banking app. After submission, the application will be reviewed and, in most cases, approved promptly. 

1. Step 8: Once approved, an instant virtual credit card will be generated within the app. You can immediately use this virtual card for online purchases and UPI payments without waiting for a physical card to arrive. 

1. Step 9: If you wish to have a physical RuPay Select card, it will be dispatched to your registered address and delivered within a few working days, allowing you to use it for in-store purchases as well.

How to Apply for the Suryoday SFB RuPay Platinum Credit Card?

The application process is as follows:  

1. Step 1: Open the Suryoday Mobile Banking app on your smartphone and log in with your credentials. Ensure a stable internet connection during the process. 

1. Step 2: Navigate to the Credit Cards section from the main menu of the app. Here, you will find a list of all credit card options available through Suryoday Small Finance Bank. 

1. Step 3: Select Secured Credit Cards and then choose the RuPay Platinum option. This card offers additional features compared to the Select variant, including insurance and concierge services. 

1. Step 4: Link an eligible Fixed Deposit to the RuPay Platinum card. Confirm the FD details carefully as this FD acts as the security deposit for your credit card. 

1. Step 5: Fill out the application form with your personal and contact details along with all required KYC documentation. Providing accurate information ensures a smooth and fast approval process. 

1. Step 6: Review all the details entered in the form. Double-check the FD details, personal information, and contact information to ensure there are no errors. 

1. Step 7: Submit the completed application through the app. Your application will be reviewed and approved, usually within a short time frame. 

1. Step 8: Upon approval, you will instantly receive a virtual credit card which can be used for online shopping and UPI transactions right away. 

1. Step 9: If you choose, the physical RuPay Platinum card will be sent to your registered address, allowing you to make in-store purchases and enjoy the full range of card benefits. 

How to Apply for the Suryoday Secured Credit Card via the Website?

The instructions to apply for Suryoday Secured Credit Card is discussed below:  

1. Step 1: Visit the Suryoday Bank official website from your computer or mobile device and navigate to the Credit Cards section. Ensure that you are using a secure and updated browser. 

1. Step 2: Click on Secured Credit Card to start the application process. This card can be applied for directly on the website without needing the mobile banking app. 

1. Step 3: Select the Fixed Deposit that you want to use as collateral for your secured credit card. Double-check the details of your FD to make sure it meets the bank’s requirements. 

1. Step 4: Complete the online application form by entering your personal details, contact information, and uploading any required KYC documents. Make sure that all entries are accurate to avoid processing delays. 

1. Step 5: Review all the information entered in the application form thoroughly. Confirm that your FD selection, personal details, and KYC uploads are correct. 

1. Step 6: Submit your application online through the bank’s website. The application will be reviewed, and in most cases, you will receive quick approval. 

1. Step 7: After approval, an instant virtual credit card will be generated, allowing you to start using it immediately for online purchases and UPI payments. 

1. Step 8: If you wish to receive a physical card, it will be dispatched to your registered address within a few working days, enabling you to use it for regular in-store transactions.

How to Contact Suryoday SFB?

If you wish to ask a question or need assistance concerning your Suryoday SFB credit card (RuPay Select, Platinum, or General Secured Card), you may contact the bank via several options:  

1. Customer Support: Available 24×7 for any credit card questions or problems, you may call at the number provided on the Suryoday SFB website. 

1. Email Support: The email address for assistance is provided on the Suryoday SFB website for questions and support, inquiries requiring detail, and/or documents to submit. 

1. Visit Branch: A branch visit would be an option if one desires to ask questions or raise requests in person, to be most effective, please take your credit card, identification and/or KYC documentation with you;  

1. Mobile Banking App: The Suryoday SFB mobile banking app has several features to check statements, raise requests for service and fast support for credit card questions. 

1. Website Helpdesk: Use the contact us page at the Suryoday SFB website to send a question, download a form, or to chat with a representative for support. 

Complaint and Grievance Handling 

Suryoday SFB has a defined grievance redressal process to help ensure that your credit card issues are resolved without undue delay. Here’s what you need to know:  

1. Filing a Complaint: You may use the Smile Centre, mobile app, or website to file your complaint for lost or stolen cards, transaction disputes, delayed statements, or cashback issues.  

1. Timelines for Resolution: Complaints should ideally be resolved within 15 days of your filing, according to RBI policy.  

1. Escalation Procedure: Complaints which you feel have not been adequately resolved can be escalated to the branch manager or the bank's nodal officer for faster resolution.  

1. Records: It would help to have the transaction details, emails, or screenshots ready to support your complaint, which can serve to expedite the investigation.  

1. Feedback: After the complaint is resolved, you may have the opportunity to provide feedback on your experience with the bank, which can help the bank enhance their customer support functionality. 

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