Suryoday Small Finance Bank Launches Premium Banking One of its kind First Affluent Programme with Rs.50L Health Insurance
Suryoday Small Finance Bank (SSFB), a leading new-age digital bank in India, today introduces its upgraded “Espire” Premium Banking Programme, with newly enhanced variants. The program has been especially curated exclusively for its valued existing customer base to elevate their banking experience with ultra-premium benefits, enhanced family health protection and exclusive travel privileges. The Upgraded Espire Premium Banking Program is available in three variants: Espire Arise, Espire Supremis, and Espire Gloria, each designed to align with customers’ aspirations and lifestyles
Espire breaks convention by offering elite benefits at a significantly lower average monthly balance threshold, unlike traditional premium programmes, which typically start at ?25 lakhs and above. This makes SSFB one of the few banks to offer ultra-premium services to the ambitious and emerging affluent—those not yet ultra-rich, but highly discerning and upwardly mobile.
More than just a banking product, Espire is a celebration of loyalty, growth, and aspiration, offering a premium experience to customers who have steadily built their financial journey with Suryoday. The programme has been introduced at a pivotal moment, as India’s Mass Affluent (MNI) population is projected to reach 100 million by 2027, signalling an urgent demand for personalised, tech-driven, and lifestyle-oriented banking solutions. SSFB's upgraded premium banking programme underscores its commitment to providing comprehensive financial solutions and rewarding the loyalty of its existing customers.
The programme is available in three tiers—Espire Arise, Espire Supremis, and Espire Gloria—each offering a curated mix of lifestyle, wellness, and travel privileges. The revamped Espire suite addresses the evolving needs of today’s affluent Indian customer by delivering a premium banking experience that goes far beyond traditional financial products.
Customers can enjoy significant advantages, including a upto Rs.50 lakhs of Group health Super-top by Magma General Insurance Limited. For their travel needs, customers can conveniently avail airport cab benefits provided by Akbar Travels. Additionally, the feature-rich RuPay Select International Debit Card offered with the program delivers year-round perks such as lounge access, concierge services, and exclusive offers on golf, gym, wellness, OTT platforms, and spa treatments.
All while benefiting from a dedicated Relationship Manager and unlimited ATM transactions across all banks in India. Customers will also have a family banking benefit for up to four members on some select variants. Suryoday Bank has introduced these enhanced features across different Espire Premium Banking Programme tiers, each with specific average monthly balance (AMB) requirements and benefits.
Commenting on the announcement, Mr. Gaurav Pawra, Chief Business Officer, Suryoday SFB, said," At Suryoday, we are delighted to introduce the enhanced offerings through our upgraded Espire Premium Banking Programme variants. Espire Premium Banking Program goes beyond traditional banking by providing a premium experience that focuses on three key offerings: lifestyle privileges, ultra-premium benefits, and a seamless banking experience. “With Espire, we’re recognizing the real heroes of our bank—customers who have grown with us. This isn’t just an upgrade, it’s our way of saying thank you. Espire is built on consistency, engagement, and aspiration. As the ‘Bank of Smiles,’ we’re proud to make premium banking more inclusive, meaningful, and personal.”
An account activation fee of Rs.1000 is applicable for all new Espire Premium Banking Programme enrolments. Existing eligible Suryoday Bank customers will be contacted with more details about upgrading to these new Espire variants and unlocking these exclusive benefits. The premium banking program was developed after profoundly analysing affluent customers to match their preferences, ambitions and aspirations.
SSFB is known for innovative offerings while keeping customer delight at its core. Earlier, the bank introduced its revolutionary long-term deposit scheme, Double Joy Deposit (DJD), a unique 22-year deposit program. The customer can invest regularly for 11 years (contribution period) and then avail of Systematic Withdrawal for the subsequent 11 years (redemption period).
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