IndusInd Bank
IndusInd Bank Samman RuPay Credit Card
Your rating
Community rating
Joining Fee
Free
Annual Fee
Free
Reward Rate
0.25% – 1%
Forex Markup
0%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
0.25% – 1%
Earn rate
₹200
Monthly cap
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.
Travel & Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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 24 Mar 2026