Yes FIRST Preferred Credit card vs Stable Money Suryoday Bank Credit Card
Joining Fees
₹2,499
₹0
Editor's Rating
4.5
4.6
Key Features
- Obtain Priority Pass Membership that provides lounge complimentary access
- Avail 25% discount on movie bookings at BookMyShow
- Earn 20,000 Bonus Reward Points on achieving spends of Rs. 7.5 Lakhs or more in each anniversary year
- Four Reward Points per Rs. 100 spent on all other categories
- Avail great offers across travel, dining, shopping, wellness and more, in select cities
Cashback Benefits
- Earning: 0.5% cashback on all card spends, including UPI transactions
- Capping: Cashback capped at Rs. 3,000 for every statement cycle
Airport Lounge Access
- 8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter
RuPay Benefits
- RuPay Select Offer: RuPay Select card variant issued if FD amount is above Rs. 1.15 lakh (otherwise RuPay Platinum is issued)
- RuPay Select Wellness Program: Gym membership, health check-up, spa and salon services, and golf sessions are offered once a year under this program
Insurance Coverage
- Sum insured of up to Rs. 2 lakh: For RuPay Platinum cardholders
- Sum insured of up to Rs. 10 lakh: For Rupay Select cardholders
Fuel Benefit
- Fuel surcharge waiver on fuel transactions of up to Rs. 8,000, capped at Rs. 40,000 monthly fuel spends
- Enjoy exclusive discounts on the RuPay network
RuPay Select Wellness Program (Applicable to RuPay Select Cardholders only)
- RuPay Select Cardholders can avail additional benefits of Gym Membership, Health Check-ups, Spa and Salon Services, and Golf
- RuPay Select Benefits are eligible to be redeemed only once in a year
Editor's Review
Pros
- Get Life Insurance Cover of INR 1 Cr for death due to Flight Accidents
- Earn 2X rewards on Travel Agencies & Tour Operators, Domestic Airlines and Dining
- Low forex markup of 1.75%
- Golf Privileges
Cons
- Low default reward rate
Pros
- Hassle-free cashback on all spends, including UPI transactions
- Lifetime free card with up to 8% interest on FD
- Up to 8 free domestic airport lounge visits every year
- Additional lifestyle benefits for RuPay Select cardholders
Cons
- Low value-back rate through cashback earnings
- High FD amount requirement for RuPay Select card variant benefits
- FD must remain until card closure
