SURF by default works on Gray image. I am thinking to do SURF on HSV image. My method is to separate the channels into H, S and V. And I use S and V for keypoint detection. I t
I didn't test it, but what you could do is using the interest point HSV values as additional matching criteria. What I used in the original implementation and what speeded up matching image pairs was the sign of the determinant of the Hessian matrix. The sign tells us whether it is a light blob on a dark background or a dark blob on a light background. Obviously, one would not attempt to match a dark blob with a bright blob.
In a similar way, you could use HSV values and use the distance. Why matching blue blobs with yellow blobs. Makes no sense, except white balance or lighting is completely messed up. Maybe my paper about matching line segments can help here. I used HSV there.
As for extracting SURF interest points on the different channels H, S, and V, I agree with the answer of Micka.
What you could try is to make a descriptor using the Hue channel.