IndusInd Samman RuPay Credit Card Review
The IndusInd Samman RuPay Credit Card is designed for government-sector employees. It pays a simple 1% cashback on retail spends and runs on RuPay, so it can be linked to UPI.
The cashback is capped at ₹200 per statement cycle, which makes it a basic, low-cost card rather than a high-reward one.
- 1% cashback, credited automatically
- RuPay — works on UPI
- Travel insurance covers included
- IRCTC and fuel surcharge waivers
- No cash advance fee
- Cashback capped at ₹200 per statement cycle
- Only for government-sector employees
- Fuel, railway and cash earn no cashback
- No lounge access
- Movie benefit limited to one ticket every six months
Fees and charges
| Item | Detail |
|---|---|
| Joining fee | Nil |
| Annual fee | Reported ₹199, waived on ₹75,000 annual spend — confirm with IndusInd |
| Cash advance fee | Nil |
Rewards: how the card earns
| Item | Detail |
|---|---|
| Cashback | 1% on retail spends |
| Cap | Eligible spend up to ₹20,000 per statement cycle (₹200 maximum) |
| Credit | In the following cycle |
What earns nothing
Fuel, railway and cash transactions earn no cashback.
Other benefits
| Benefit | Detail |
|---|---|
| Movies | 1 BookMyShow ticket every 6 months, up to ₹200 |
| Railway | 1% surcharge waiver on IRCTC bookings up to ₹5,000 |
| Fuel | 1% surcharge waiver |
| Travel insurance | Lost baggage up to ₹1 lakh; delayed baggage, lost ticket and missed connection up to ₹25,000 each; lost passport up to ₹50,000 |
| UPI | Linkable for scan-and-pay |
Eligibility
Issuer
IndusInd Bank
Who
Government-sector employees
Network
RuPay
Age
21–60
Who this card is for
- Good fit: government employees who want a simple, low-fee cashback card that works on UPI.
- Skip if: you spend well over ₹20,000 a month — the cap limits your cashback.
Alternatives worth comparing
- Best cashback cards
- Best IndusInd credit cards
- Best RuPay cards for UPI
- Shaurya Select SBI — for armed-forces personnel
Final verdict
A sensible, no-frills card for government employees. The ₹200-a-cycle cap means bigger spenders should pair it with a higher-earning card.
Frequently asked questions
Who can get the IndusInd Samman card?
Government-sector employees.
How much cashback does it give?
1% on retail spends, on up to ₹20,000 per statement cycle — a maximum of ₹200 a cycle.
Can I use it on UPI?
Yes, it is a RuPay card.
Does it have lounge access?
No.
What insurance is included?
Travel covers for lost baggage, delayed baggage, lost ticket, missed connection and lost passport.
Last verified: October 2026, against IndusInd Bank’s Samman RuPay card page. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.