In-depth review
IndusInd Bank Samman Credit Card
The IndusInd Samman is a low-cost RuPay card for government-sector employees, built around one idea: pay from your credit card over UPI. It earns 1% cashback on the first ₹20,000 of eligible retail spend a cycle — so ₹200 a cycle, hard — the ₹199 fee waives on ₹75,000 of spend, and it throws in a movie ticket, travel cover and fuel/railway surcharge waivers. A convenient near-free default, not a returns engine.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
1% on Other
1% cashback on retail spends. Only the first ₹20,000 of eligible retail spend in a statement cycle counts, so cashback is hard-capped at ₹200/cycle. RuPay-on-UPI spends count; cash withdrawals and railway do not. Fuel is excluded under IndusInd's portfolio-wide petrol terms.
Annual Fee Waiver
Fee of ₹199 + 18% GST (₹235 all-in)/yr fully waived when you spend ₹75,000/year
Movie Ticket Benefit
One complimentary BookMyShow movie ticket up to ₹200, once every six months in a calendar year
UPI Linked
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
Insurance Cover
Travel cover underwritten by The Oriental Insurance Company — lost baggage ₹1,00,000, delayed baggage ₹25,000, loss of passport ₹50,000, lost ticket ₹25,000 and missed connection ₹25,000. Contingent cover you claim against, not money you receive, so it is valued near zero.
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- One complimentary BookMyShow movie ticket up to ₹200, once every six months in a calendar year
For a salaried government employee who wants a simple, near-free everyday card and likes paying by UPI. The ₹200/cycle cashback cap means it rewards steady small spends rather than big-ticket bills — treat it as a convenient default card, not a returns engine.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | cashback | 1% | ₹200 |
Other: 1% cashback on retail spends. Only the first ₹20,000 of eligible retail spend in a statement cycle counts, so cashback is hard-capped at ₹200/cycle. RuPay-on-UPI spends count; cash withdrawals and railway do not. Fuel is excluded under IndusInd's portfolio-wide petrol terms.
Earns nothing on: Fuel · Railway · Cash Advances
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹235 |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.95% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹800/yr in total.
1% fuel-surcharge waiver on transactions from ₹400 to ₹4,000, with no capping. Also a 1% railway-surcharge waiver on bookings to ₹5,000, ₹600 maximum per anniversary year.
Travel cover underwritten by The Oriental Insurance Company — lost baggage ₹1,00,000, delayed baggage ₹25,000, loss of passport ₹50,000, lost ticket ₹25,000 and missed connection ₹25,000. Contingent cover you claim against, not money you receive, so it is valued near zero.
One complimentary BookMyShow movie ticket up to ₹200, once every six months in a calendar year
Should you get it?
- Best for: Government-sector employee wanting a simple, near-free everyday card, UPI-first spender who wants to pay from a credit card by QR, Someone who values the movie ticket and surcharge waivers over a high reward rate
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on everyday spends (1% back).
Pros & cons
✓ Pros
- RuPay-on-UPI — pay from the credit card by scanning any UPI QR, no card, CVV or OTP needed
- Effectively free — nil joining fee and the ₹199 annual fee waives on ₹75,000 annual spend
- 1% cashback on retail spends (on the first ₹20,000 of eligible spend, so ₹200 per statement cycle)
- One BookMyShow ticket up to ₹200 every six months, plus fuel and railway surcharge waivers and waived cash-advance fees
- Travel cover from The Oriental Insurance Company — lost baggage ₹1,00,000, delayed baggage ₹25,000, lost passport ₹50,000, lost ticket ₹25,000, missed connection ₹25,000
✕ Cons
- Only the first ₹20,000 of eligible retail spend in a statement cycle counts, so cashback is hard-capped at ₹200 a cycle — a ₹2,400/year ceiling however much you put on the card
- Railway bookings and cash withdrawals do not earn cashback
- Fuel is treated as non-earning too, though that rests on IndusInd's portfolio-wide petrol terms — which say fuel accrues neither reward points nor cashback on its credit cards — rather than on anything the Samman's own page or cardholder agreement states
- Available only to government-sector employees, and forex markup is a standard 3.5% (plus 2% DCC on INR-billed foreign transactions) — not a card for overseas spending
- From 15 June 2026 IndusInd charges 1% + GST on fuel spends above ₹30,000 a statement cycle and 1% + GST on transport spends above ₹40,000 a cycle
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Government-employment / salary proof
- 📄Latest bank statement
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Cashback auto-credited to the card account in the subsequent statement cycle
What your Cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
Only ₹20,000 of eligible retail spend counts in a statement cycle, so cashback is capped at ₹200 a cycle however much you put on the card — this is a convenience card, not a high-return one.
Frequently asked questions
How much cashback does the Samman card earn?
Can I use the Samman card on UPI?
What is the fee, and can it be waived?
What else does the card offer?
Who can apply for the Samman card?
How has the IndusInd Bank Samman Credit Card changed over time?
Has the IndusInd Bank Samman Credit Card been devalued recently?
When did the IndusInd Bank Samman Credit Card's fees last change?
How did the IndusInd Bank Samman Credit Card change in 2026?
The bottom line
A sensible, low-commitment card for its intended audience. The 1% cashback is modest and hard-capped at ₹200 a cycle, but the ₹199 fee waives easily and the RuPay-on-UPI convenience plus the movie and surcharge waivers make it a fair no-fuss default. Do not expect it to out-earn a dedicated cashback card on large spends — the cap is the whole story.
How this page was built
Counted from this card’s own record: 1 earn rule, 1 of them capped, the spends listed as earning nothing and 3 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the IndusInd Bank Samman Credit Card are taken from IndusInd Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for IndusInd Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
IndusInd Bank Samman Credit Card
The IndusInd Samman is a low-cost RuPay card for government-sector employees, built around one idea: pay from your credit card over UPI. It earns 1% cashback on the first ₹20,000 of eligible retail spend a cycle — so ₹200 a cycle, hard — the ₹199 fee waives on ₹75,000 of spend, and it throws in a movie ticket, travel cover and fuel/railway surcharge waivers. A convenient near-free default, not a returns engine.
EazyDiner IndusInd Bank Platinum Credit Card
The EazyDiner Platinum is the lifetime-free, entry-tier sibling of the ₹2,999 EazyDiner Signature — same dining engine, no fee. A complimentary EazyDiner Prime membership gets you a guaranteed 25% up to 50% off at 2,000+ restaurants, and paying via PayEazy adds an extra 20% off up to ₹500. A monthly BookMyShow buy-one-get-one and a published milestone sit behind it, and the RuPay variant links to UPI. Outside all that the 0.4% base earn is thin, so its worth turns on how much you use EazyDiner.
IndusInd Bank Pinnacle Credit Card
The IndusInd Pinnacle is a premium lifestyle card with an unusual fee shape: a one-time ₹15,000 joining fee and no annual fee thereafter. The draw is the package — a green-fee golf programme, 24x7 concierge, movie tickets and Priority Pass — not the rewards, which are ordinary. And the lounge access is easy to misread: Priority Pass visits carry a US$35 charge within India. Judge it on golf and concierge, not returns.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2024 · last change Jun 2026
2026
- ▼ FeeEffective 15 Jun 2026
Dynamic Currency Conversion fee doubled to 2%
1% mark-up + taxes→2% + GST
The mark-up on rupee-billed transactions at an international location, or at India-based merchants registered overseas, doubled from 1% to 2% + GST for the Samman. IndusInd's premium cards were held at 1%, so standard variants absorbed the whole increase.
Verification: IndusInd Bank ↗ · Confidence: High
- ▼ FeeEffective 15 Jun 2026
Fuel-fee threshold cut from ₹50,000 to ₹30,000/cycle
1% + GST above ₹50,000 per cycle→1% + GST above ₹30,000 per cycle
The Samman is named in the lower of IndusInd's two new fuel-fee tiers, so the 1% + GST charge now applies from ₹30,000 of cumulative fuel per statement cycle rather than ₹50,000. Premium variants such as Celesta and Pinnacle kept the ₹50,000 threshold.
Verification: IndusInd Bank ↗ · Confidence: High
- ▼ FeeEffective 15 Jun 2026
New 1% surcharge on transport spends above ₹40,000/cycle
No transport surcharge→1% + GST above ₹40,000 per cycle
A new 1% + GST charge applies once cumulative transport spends (MCCs 4111, 4112, 4784 and 4131 — cabs, rail, bus and tolls) exceed ₹40,000 in a statement cycle; air travel is excluded. Worth reading alongside the card's railway-surcharge waiver: the waiver still refunds the 1% levied on individual IRCTC bookings up to ₹5,000, but heavy cumulative rail and cab spend now attracts this separate bank fee on top.
Verification: IndusInd Bank ↗ · Confidence: High
2025
- ▼ BenefitEffective 21 Dec 2025
Complimentary air-accident insurance withdrawn
Complimentary air-accident cover provided with the card→No air-accident cover
On 21 December 2025 IndusInd discontinued the complimentary air-accident insurance feature across its credit cards, stating simply that the coverage "stands discontinued". The bank published no replacement and named no exempt card. Note that several IndusInd product pages still described the cover months afterwards — the Avios, Duo, Pioneer Private and Platinum pages all still advertised it in August 2026 — so a reader may encounter the old wording on IndusInd's own site; the dated withdrawal notice is the operative statement. Other insurance benefits are unaffected: lost-card liability, Total Protect fraud cover, travel insurance and purchase protection continue where the card carried them.
Verification: IndusInd Bank ↗ · Confidence: High
- ▼ FeeEffective 4 May 2025
New 1% fee on fuel spends above ₹50,000/cycle
No bank fee on fuel spends→1% + GST on cumulative fuel above ₹50,000 per statement cycle
IndusInd began levying 1% + GST on cumulative fuel transactions once they exceed ₹50,000 in a statement cycle, charged on the whole cycle's fuel spend rather than the excess. This is a bank fee and is distinct from the card's 1% fuel-surcharge waiver, which continues to apply to individual fills of ₹400–₹4,000.
Verification: IndusInd Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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