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IndusInd Bank
IndusInd Bank Samman RuPay Credit Card
RuPay
IndusInd Bank Samman RuPay Credit Card
Purpose-built for government sector employees, with India's first UPI Scan & Pay-enabled RuPay credit card — the cashback is real but small and tightly capped, so this is more about accessibility and low fees than earning power.
Rates and fees last verified 15 July 2026.
Annual fee
₹199
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🛒 Groceries
1% reward rate (capped ₹20,000/monthly)
- 🧾 Utilities
1% reward rate (capped ₹20,000/monthly)
- ⛽ Fuel
1% reward rate (capped ₹20,000/monthly) · Fuel surcharge waiver plus IRCTC surcharge waiver
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried
- Age: 21–60
Benefits
- 1% cashback on everyday retail spends up to ₹20,000/month (capped ₹200/month)
- 1 free movie ticket every 6 months (2/year)
- Fuel surcharge waiver plus IRCTC surcharge waiver
Pros
- + No joining fee, low ₹199 renewal
- + UPI Scan & Pay support (first of its kind on a RuPay credit card)
- + Fuel and IRCTC surcharge waivers
Cons
- − Cashback capped at just ₹200/month
- − Designed around government-sector eligibility, less relevant otherwise
- − No lounge access