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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

Joining Fee


Renewal Fee

Rs. 199

Best Suited For

Shopping |

Reward Type

Cashback |

Welcome 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



1% Surcharge Waiver on Railway Transactions

Domestic Lounge Access


International Lounge Access




Insurance Benefits

Travel Insurance

Spend-Based Waiver

On Spends of Rs. 75,000 in a Year

Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup


Interest Rates

Monthly (47.40%

Fuel Surcharge

1% Fuel Surcharge on Transactions Between Rs. 400 to Rs. 4,000

Cash Advance Charges


  • You can earn 1% cashback each month.
  • Earn two complimentary movie tickets each year.
  • This card can be linked to UPI applications.


  • 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.


  • 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.


No, although the Samman RuPay Credit Card has zero joining fee, there is a renewal charge of Rs. 199.
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.


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