MyFinCards
Samman Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

IndusInd Bank
Cashback
Lifestyle
Best For: Government sector employees, UPI spenders, Railway travelers

Samman Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹200 /statement_cycle

Pros

  • Nil cash advance fee
  • UPI payments supported
  • Free movie tickets every 6 months
  • 1% cashback on all retail spends
  • Travel insurance cover included
  • Fuel and railway surcharge waiver

Cons

  • Cashback capped at ₹200 per statement cycle
  • Exclusively for government sector employees
  • Movie ticket value capped at ₹200

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Cashback applies only on spends up to ₹20,000 per statement cycle

Cashback credited in subsequent statement cycle

Movie ticket offer valid only via BookMyShow

Key Benefits & Features

Nil Cash Advance fee

UPI payments supported - link card on BHIM, PhonePe, Paytm, Google Pay

Eligibility Criteria

Occupation

SALARIED

Notable Exclusions

Cashback not applicable on spends above ₹20,000 in a statement cycle

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Samman Credit Card

The IndusInd Bank Samman RuPay Credit Card is exclusively designed for government sector employees, offering a well-rounded suite of benefits tailored to their everyday spending needs. One of its standout features is UPI compatibility, allowing cardholders to link the card on popular UPI apps like BHIM, PhonePe, Google Pay, and Paytm to make seamless scan-and-pay transactions at merchant outlets across India. The card offers 1% cashback on all retail spends up to Rs. 20,000 per statement cycle, with a maximum cashback of Rs. 200 credited in the subsequent billing cycle. Cardholders also enjoy one assured complimentary movie ticket worth up to Rs. 200 every six months in a calendar year via BookMyShow, making entertainment more rewarding. Additionally, the card provides a 1% waiver on railway surcharge for transactions up to Rs. 5,000 on IRCTC platforms, as well as a fuel surcharge waiver at petrol pumps across India. Further adding to its appeal, the Samman RuPay Credit Card comes with nil cash advance fees and a dedicated travel insurance cover, making it a practical and value-driven choice. With its focus on cashback, entertainment perks, and travel conveniences, this card is built to deliver meaningful savings and lifestyle benefits to India's government workforce.

Expert Review

Our Verdict

RuPay credit card for govt employees with 1% cashback, free movie tickets, and UPI payments.

Frequently Asked QuestionsAbout Samman Credit Card

ELIGIBILITYWho is eligible to apply for the IndusInd Bank Samman RuPay Credit Card?
The IndusInd Bank Samman RuPay Credit Card is exclusively designed for government sector employees. Only individuals employed in the government sector are eligible to apply for this card. It is not available to private sector employees or self-employed individuals.
FEESWhat are the joining and annual fees for the Samman RuPay Credit Card?
The IndusInd Bank Samman RuPay Credit Card comes with no joining fee and no annual fee, making it a cost-effective choice for government employees. You can enjoy all the card's benefits without worrying about any recurring fee charges.
REWARDSWhat cashback benefits does the Samman RuPay Credit Card offer?
The Samman RuPay Credit Card offers 1% cashback on all retail spends. The cashback is applicable on total retail spends of up to ₹20,000 in a statement cycle, meaning the maximum cashback you can earn per statement cycle is capped at ₹200. The cashback earned in the current statement cycle will be credited to your credit card account in the subsequent statement cycle.
REWARDSWhat is the maximum cashback I can earn in a statement cycle?
The maximum cashback you can earn in a single statement cycle is capped at ₹200. This is based on 1% cashback on retail spends up to ₹20,000. Any spends above ₹20,000 in a statement cycle will not attract additional cashback. For example, if you spend ₹25,000, your cashback will still be ₹200.
BENEFITSWhat movie benefits are available on the Samman RuPay Credit Card?
IndusInd Bank, in association with BookMyShow, offers one assured complimentary movie ticket every 6 months in a calendar year, which means 2 free tickets per year. The value of each free ticket is capped at ₹200. If the ticket price exceeds ₹200, the cardholder will receive a discount of ₹200 and must pay the remaining amount using the IndusInd Bank Credit Card. The offer is valid at all theatres registered with BookMyShow across all major cities.
BENEFITSDoes the Samman RuPay Credit Card offer fuel surcharge waiver?
Yes, the Samman RuPay Credit Card offers a 1% waiver on fuel surcharge at any petrol pump within India. Based on a monthly fuel usage of ₹3,000, you can save approximately ₹30 per month, which amounts to ₹360 in annual savings. Terms and conditions apply.
BENEFITSIs there a railway surcharge waiver on the Samman RuPay Credit Card?
Yes, the Samman RuPay Credit Card provides a 1% waiver on railway surcharge on transactions up to ₹5,000 on www.irctc.co.in and the IRCTC App. If you book railway tickets worth ₹5,000 per quarter, you can save up to ₹200 annually on railway surcharges.
BENEFITSWhat travel insurance benefits are included with the Samman RuPay Credit Card?
The Samman RuPay Credit Card includes a travel insurance cover provided in association with The Oriental Insurance Company Limited. The cover includes: Lost baggage up to ₹1,00,000; Delayed baggage up to ₹25,000; Loss of passport up to ₹50,000; Lost ticket up to ₹25,000; and Missed connection up to ₹25,000. Terms and conditions apply.
USAGEDoes the Samman RuPay Credit Card support UPI payments?
Yes, the Samman RuPay Credit Card supports UPI payments. You can link the card to UPI apps like BHIM, PhonePe, Paytm, or Google Pay. To link, open your UPI app, select 'Add/Link Credit Card', choose IndusInd Bank as the issuer, select your Samman RuPay Credit Card, and generate a UPI PIN. You can then scan merchant QR codes or enter merchant UPI IDs to make payments using the card.
FEESWhat is the cash advance fee on the Samman RuPay Credit Card?
The IndusInd Bank Samman RuPay Credit Card comes with a Nil cash advance fee, meaning you will not be charged any fee for withdrawing cash using this credit card. This is a significant benefit that helps reduce the overall cost of using the card for cash transactions.
USAGEHow do I set a UPI PIN for my Samman RuPay Credit Card?
To set your UPI PIN, open your UPI app and select 'Generate PIN', then select your Samman RuPay Credit Card. Enter your card's last 6 digits and expiry date. An OTP will be sent to your registered mobile number. Enter the OTP and set a PIN of your choice. Once set, you can use this PIN to authorize all UPI payments made through your Samman RuPay Credit Card.
REWARDSWhat is the estimated annual savings value offered by the Samman RuPay Credit Card?
Based on average usage assumptions, the Samman RuPay Credit Card offers an estimated annual savings of ₹2,760. This includes: ₹400 from 2 complimentary movie tickets (₹200 each), ₹1,800 from 1% cashback on ₹15,000 retail spends per month, ₹360 from 1% fuel surcharge waiver on ₹3,000 monthly fuel usage, and ₹200 from 1% railway surcharge waiver on ₹5,000 per quarter. Actual savings may vary based on individual usage.
APPLICATIONHow can I apply for the IndusInd Bank Samman RuPay Credit Card?
You can apply for the IndusInd Bank Samman RuPay Credit Card online by visiting the IndusInd Bank website and clicking 'Apply Now' on the Samman Credit Card page. As this card is exclusively for government sector employees, you will need to provide relevant employment proof as part of the application process. You can also visit the nearest IndusInd Bank branch to apply in person.
INTERNATIONALCan I use the Samman RuPay Credit Card for international transactions?
The Samman RuPay Credit Card is on the RuPay network. RuPay cards have limited international acceptance compared to Visa or Mastercard networks. It is primarily designed for domestic use within India, covering UPI payments, retail spends, fuel transactions, and railway bookings on IRCTC. For international travel needs, you may want to consider an alternate card with global network support.
REWARDSWhen will the cashback earned on the Samman RuPay Credit Card be credited to my account?
The cashback earned during the current statement cycle will be credited to your credit card account in the subsequent statement cycle. For example, if you earn cashback during the January statement cycle, it will be reflected in your February statement cycle. The maximum cashback credited per cycle is ₹200, based on 1% cashback on retail spends up to ₹20,000.

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