Both cards are integrated with RuPay and UPI platforms and come with instant virtual issuance. They offer 0.5% cashback on all transactions, up to a maximum of ₹3,000 per billing cycle, and are available without annual or hidden fees.
The bank has also included RuPay-specific lifestyle, dining, and shopping offers.
The secured credit card allows customers to start with an FD of ₹1,000 for the Platinum variant and ₹1,11,500 for the Select variant. Users can pay as little as 10% of the outstanding amount before the due date or settle the full balance within 30 days to avoid interest charges.
Industry data shows that as of May 2025, around 111 million credit cards were in circulation in India, highlighting a growing but still limited adoption relative to the country’s population.
SSFB’s secured credit card aims to help first-time users, homemakers, and retirees access formal credit while building responsible credit habits.
The product also provides FD interest rates of up to 8.40%, higher than the 6.5%–7.5% typically offered by other small finance banks. The card can be linked to BHIM or other UPI apps, enabling seamless digital payments.