HDFC Bank UPI RuPay Credit Card vs IndusInd Bank Samman RuPay Credit Card
HDFC Bank · IndusInd Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreGood
Annual Fee₹99
Max Reward3%
IndusInd BankScoreGood
Annual FeeFree
Max Reward1%
HDFC Bank UPI RuPay Credit Card leads overall with a CardCheck Score of 67/100 (+4 pts over IndusInd Bank Samman RuPay Credit Card).
4-Pillar Head-to-Head Breakdown
HDFC vs IndusIndReward Power
35%HDFC27/35
IndusInd20/35
HDFC Wins
Fee Value & ROI
25%HDFC24/25
IndusInd25/25
IndusInd Wins
Lounge & Travel
20%HDFC4/20
IndusInd4/20
Tie (4/20)
Forex & Access
20%HDFC12/20
IndusInd14/20
IndusInd Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 67Best
- 63
- Rating Verdict
- Good
- Good
- Reward Power (35%)
- 27/35
- 20/35
- Fee Value & ROI (25%)
- 24/25
- 25/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 14/20
02—Basic Info
- Bank
- HDFC Bank
- IndusInd Bank
- Network
- RuPay
- RuPay
- Card type
- Regular
- Regular
- Best for
- UPI power users — earn credit card rewards on UPI QR payments
- Govt scheme card — UPI-linked RuPay with fuel waiver and basic rewards
03—Fees
- Joining fee
- ₹99
- FreeBest
- Annual fee
- ₹99
- FreeBest
- Fee waiver
- ₹25,000
- —
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 42%
- 36%Best
- APR (max)
- 42%
- 42%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%Best
- 0.25%
- Max rate
- 3%Best
- 1%
- Points / ₹100
- 4
- —
- Point value
- ₹0.25
- —
- Monthly cap
- ₹125
- ₹200
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 0%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹15,000
- ₹15,000
- Invite only
Rows won
03of 07
04of 07
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 67Best | 63 |
| Rating Verdict | Good | Good |
| Reward Power (35%) | 27/35 | 20/35 |
| Fee Value & ROI (25%) | 24/25 | 25/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | IndusInd Bank |
| Network | RuPay | RuPay |
| Card type | Regular | Regular |
| Best for | UPI power users — earn credit card rewards on UPI QR payments | Govt scheme card — UPI-linked RuPay with fuel waiver and basic rewards |
03—Fees Differences highlighted | ||
| Joining fee | ₹99 | FreeBest |
| Annual fee | ₹99 | FreeBest |
| Fee waiver | ₹25,000 | — |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 36%Best |
| APR (max) | 42% | 42% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1%Best | 0.25% |
| Max rate | 3%Best | 1% |
| Points / ₹100 | 4 | — |
| Point value | ₹0.25 | — |
| Monthly cap | ₹125 | ₹200 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 0%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹15,000 | ₹15,000 |
| Invite only | ||
| Rows won | 03of 07 | 04of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HDFC Bank UPI RuPay Credit Card | IndusInd Bank Samman RuPay Credit Card |
|---|---|---|
| CardCheck Score | 67/100Good | 63/100Good |
| Annual Fee | ₹99 | Free (₹0) |
| Fee Waiver Spend | ₹25,000/yr | No waiver |
| Max Reward Potential | 3% | 1% |
| Domestic Lounge Access | None | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 0% |
Choose HDFC Bank UPI RuPay Credit Card if:
Your spending centers around upi power users — earn credit card rewards on upi qr payments and you want direct partner rewards with HDFC Bank.
Choose IndusInd Bank Samman RuPay Credit Card if:
Your spending aligns with govt scheme card — upi-linked rupay with fuel waiver and basic rewards and you prioritize IndusInd Bank's redemption benefits.
Popular Comparisons for HDFC Bank UPI RuPay Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for IndusInd Bank Samman RuPay Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: HDFC Bank UPI RuPay Credit Card vs IndusInd Bank Samman RuPay Credit Card
- Which is better: HDFC Bank UPI RuPay Credit Card or IndusInd Bank Samman RuPay Credit Card?
- HDFC Bank UPI RuPay Credit Card holds a higher overall rating with a CardCheck Score of 67/100 (Good) compared to 63/100 (Good) for IndusInd Bank Samman RuPay Credit Card (a lead of +4 points). HDFC Bank UPI RuPay Credit Card gains its scoring lead primarily through reward potential (27 vs 20) while tying on lounge & travel privileges.
- How do annual fees and fee waiver spend rules compare?
- HDFC Bank UPI RuPay Credit Card charges an annual fee of ₹99 with an annual spend threshold of ₹25,000 for renewal fee waiver. In comparison, IndusInd Bank Samman RuPay Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between HDFC Bank UPI RuPay Credit Card and IndusInd Bank Samman RuPay Credit Card?
- HDFC Bank UPI RuPay Credit Card offers a base reward rate of 1% and up to 3% on accelerated partner categories. Meanwhile, IndusInd Bank Samman RuPay Credit Card offers a base rate of 0.25% and up to 1% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: HDFC Bank UPI RuPay Credit Card or IndusInd Bank Samman RuPay Credit Card?
- HDFC Bank UPI RuPay Credit Card provides no complimentary airport lounge access. On the other hand, IndusInd Bank Samman RuPay Credit Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- HDFC Bank UPI RuPay Credit Card levies a foreign currency markup fee of 3.5%, while IndusInd Bank Samman RuPay Credit Card charges 0%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).