Our Money Guide
IndusInd Samaan Credit Card

Pros and Cons of IndusInd Bank Samman RuPay Credit Card  

Pros

  • Low fee card
  • You can use your card for UPI payments
  • Annual fee is waived, if you spend ₹75000 in the previous year

Cons

  • Comparatively low reward rate on card spends

Features & Benefits of IndusInd Bank Samman RuPay Credit Card 

Card is exclusively for government sector employees

This card is available exclusively for government sector employees.

Card is UPI enabled

You can use this card for all UPI payments, allowing you to earn rewards on your day to day spends. You can link the card to all UPI apps and make payments.

1% cashback (upto ₹200 per month), on all credit card spends

You get ₹1 (as cashback), on every ₹100 you spend on your credit card.

This benefit is valid on card spends upto ₹20,000 per month, since the maximum cashback is restricted to ₹200 per month.

1 free movie ticket (upto ₹200), every 6 months – at BookMyShow

You can get a maximum of 2 free movie tickets per year, one each for every 6 months. The maximum discount given on the 2nd ticket is ₹200, hence you can get a benefit of ₹400 every year.

1% railway surcharge waiver, only on railway transactions upto ₹5000

The maximum waiver amount is restricted to ₹600 per year.

This waiver is given only on railway transactions upto ₹5000. On railway transactions above ₹5000, this benefit is not applicable.

1% fuel surcharge waiver, on fuel transactions between ₹400 and ₹4000 only

You get fuel surcharge waiver on fuel transactions between ₹400 and ₹4000 only. This benefit is applicable at all fuel pumps.

IndusInd Bank Samman RuPay Credit Card  Fees & Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹199
Renewal fee from 2nd year onwards₹199 Annual fee is not charged from the 2nd year onwards, if you spend ₹75000 or more in the previous year

Interest rate – 3.95% per month

To view all fees and charges, please click here – IndusInd Credit Cards Fees & Charges

Eligibility criteria

Minimum age21 years
Maximum age65 years
OccupationGovernment employees only
Minimum income requirementsNot specified
Credit scoreNot specified, preferably above 750

Documents required

Required documents 
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement
– Income proof : latest salary slip/s, income tax return etc

Additional documents maybe required on a case-to-case basis.

How do I apply for the IndusInd Bank Samman RuPay Credit Card ?

Online application process 
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the IndusInd Bank website.

You can also visit official website of the bank and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.

Steps :
– To apply, simply provide your personal details, such as your PAN number, mobile phone number, income & emplyment details, , address, along with the other requirements asked for
– Submit the application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Apply Now

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