IndusInd Bank
IndusInd Bank Samman RuPay Credit Card
Annual Fee
Lifetime FreeBase Reward
1% cashback
Foreign Markup
3.5%
Welcome Benefits
N/A
Product Highlights
- 1% cashback on spends up to ₹20,000
- Two complimentary movie tickets each year
- Zero cash withdrawal fees
Category Rewards
Specialty
UPI Transactions 2X
1%
Fee Waiver
Waived on ₹75,000 annual spend
Reward Calculator
Earns ₹480/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
1.9K
IndusInd Reward Points
₹480
via statement credit · ₹0.25/pt
Effective rate
0.31%
Annual fee
FREE
Year 1 net
+₹480
Year 2+ net
+₹480
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
1% cashback on spends of up to ₹20,000 in a statement cycle, capped at ₹200.
Redemption
N/A
Benefits & Features
Domestic: RuPay Exclusive Lounge Access at DEL T3 Terminal (Once Each Month) International: N/A Full lounge access description not provided.
Pros & Cons
Pros
- No charges for cash advances
- Two free movie tickets each year
Cons
- Limited benefits overall
- Cashback capped at ₹200 per month
Additional Info
This card is exclusively for government employees.
Maximum cashback of ₹200 per month.
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Waived on ₹75,000 annual spend