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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.
Annual fee
₹199
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to salaried applicants with a credit score of roughly 650+ whose spend is concentrated in fuel, groceries, utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 2 complimentary lounge visits per quarter at participating airport lounges
- Insurance benefits: Travel insurance covering lost/delayed baggage, lost passport and missed connections
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
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹75,000
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% waiver on fuel and railway (IRCTC) surcharges
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
Best for