IndusInd BankIndusInd Bank Samman RuPay Credit Card
The IndusInd Bank Samman RuPay Credit Card is a government-supported entry-level credit card issued under India's financial inclusion initiative.
Top Category Performance
Travel & Lounge (94/100)
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
0.25 – 1
Forex Markup
0%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
20/35
Fee Value & ROI
25/25
Lounge & Perks
4/20
Forex & Access
14/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
IndusInd Bank Samman RuPay Credit Card Benefits
IndusInd Bank Samman RuPay Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.25% – 1%
Earn rate
₹200
Monthly cap
IndusInd Bank Samman RuPay Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
IndusInd Bank Samman RuPay Credit Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
🎉 Zero Annual Fee — 100% Net Profit
IndusInd Bank Samman RuPay Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
IndusInd Bank Samman RuPay Credit Card Eligibility
Employment type
Pros & Cons
- Good 1% cashback rate for an entry-level card
- Cashback applies on UPI transactions as well
- Very low annual fee
- Annual fee waiver achievable at ₹75,000 spends
- Zero cash advance charges is a rare benefit
- Useful railway and fuel surcharge waivers
- Complimentary movie benefit included
- Ideal for government employees seeking a simple cashback card
- Available only to government-sector employees
- Cashback limited to spends up to ₹20,000 per statement cycle
- No airport lounge access
- No accelerated rewards on any spending category
- No welcome bonus or milestone benefits
- Movie benefit is only once every 6 months
- Limited travel and lifestyle privileges
- Reward structure weaker than premium RuPay cashback cards available today
Who is this card for?
First-time credit users, government employees, or financially-included customers who want a simple zero-fee RuPay card with UPI credit payment capability.
Quick Links
Data last updated 14 Aug 2026
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Calculate your exact earnings with IndusInd Bank Samman RuPay Credit Card
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