
Joining Fee
Free
Annual Fee
Rs. 0 + Taxes
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
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
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.
Our Verdict
RuPay credit card for govt employees with 1% cashback, free movie tickets, and UPI payments.
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