IndusInd Bank Samman RuPay Credit Card
- Updated On: 19 May, 2026
The Samman Credit Card by IndusInd Bank is an exclusive card for government sector employees. This card offers basic benefits like a 1% cashback on spends of up to Rs. 20,000. There is no joining fee for this credit card, although there is a renewal fee of Rs. 199, which can be waived by spending Rs. 75,000 in a year. One of the most noteworthy features of this card is that it has zero cash withdrawal fees. This would be highly beneficial, as you can withdraw cash for any expenses without incurring any charges.
Keep on reading to learn more about the features of the Samman RuPay Credit Card.
IndusInd Bank Samman RuPay Credit Card
( 4.4 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
1% Cashback on Spends of Rs. 20,000 in a Statement Cycle (Max Rs. 200)
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
One Free Movie Ticket Every Six Months
Rewards Rate
1% Cashback on Spends of Rs. 20,000 in a Statement Cycle (Max Rs. 200)
Reward Redemption
N/A
Travel
1% Surcharge Waiver on Railway Transactions
Domestic Lounge Access
RuPay Exclusive Lounge Access at DEL T3 Terminal (Once Each Month)
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
Travel Insurance
Fees & Charges
Spend-Based Waiver
On Spends of Rs. 75,000 in a Year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.5%
Interest Rates
3.95% Monthly (47.40% Yearly)
Fuel Surcharge Waiver
1% Fuel Surcharge on Transactions Between Rs. 400 to Rs. 4,000
Cash Advance Charges
Nil
Product Details
- You can earn 1% cashback each month.
- Earn two complimentary movie tickets each year.
- This card can be linked to UPI applications.
Pros/Cons
Pros
- There are no charges for cash advances on this card, making it easy to withdraw cash.
- You would receive two free movie tickets in a year with this card.
Cons
- Overall, this card doesn’t provide many benefits. Even the cashback received is quite low at just Rs. 200 per month.
Samman RuPay Credit Card Features and Rewards
Cashback on Spends
You can earn 1% cashback on all your spends up to Rs. 20,000. A maximum of Rs. 200 can be earned in a year, and cashback is credited in the subsequent month.
No cashback shall be earned beyond the spends of Rs. 20,000.
Free Movie Ticket
Avail one free movie ticket every six months with the Samman Credit Card. All cardholders shall be eligible for two complimentary movie tickets every year, i.e., one every six months. The maximum value for the movie ticket shall not exceed Rs. 200.
UPI Enabled
Link this card to the UPI application of your choice and make payments on the go.
How to Link the Card to UPI?
- Open your UPI app* BHIM, PhonePe, Paytm, or Google Pay.
- Select the option “Add Credit Card/Link Credit Card.”
- Select IndusInd Bank,
- Select your IndusInd Bank Samman RuPay Credit Card,
- Proceed to generate UPI PIN,
Railway Surcharge Waiver
Save on your expenses with a 1% waiver on Railway transactions up to Rs. 5,000.
Travel Insurance
You shall be given travel insurance with the Samman RuPay Credit Card.
| Lost baggage | ₹ 1,00,000 |
| Delayed baggage | ₹ 25,000 |
| Loss of passport | ₹ 50,000 |
| Lost ticket | ₹ 25,000 |
| Missed connection | ₹ 25,000 |
Samman RuPay Credit Card Review
This credit card is exclusively designed for government employees and comes with a 1% cashback benefit on retail spends of up to Rs. 20,000. Although the cashback amount is capped at Rs. 200 per month, this feature can help you save up to Rs. 2,400 annually. Additionally, you can enjoy a 1% waiver on fuel and railway transactions. If you are a movie enthusiast, you can also avail of two free movie tickets each year with this card. So, use your Samman Credit Card to make purchases and earn cashback. You can also link this credit card to popular payment applications like Google Pay, Paytm, and PhonePe.
Tell us your views on this latest offering by IndusInd Bank in the comments below.
FAQs:
Is this a lifetime-free credit card?
No, although the Samman RuPay Credit Card has zero joining fee, there is a renewal charge of Rs. 199.
Can I link the Samman Credit Card to UPI?
Yes, as the Samman Credit Card is on the RuPay network, it can be easily linked to UPI. You can make convenient payments through your mobile phone.
2 comments
Chandu
Summan rupay credit card tho atm lo amount withdrawal cheyocha?? Ala cheste amount ki intrest paduthunda?
Kartik Kanwar
It is one of the unique aspects of this card. That there is no charges on cash withdrawal. This has been implemented keeping in mind the needs of government sector employees.