Samman Credit Card
IndusInd Bank
Last updated: Feb 03, 2026
₹199
₹0
3.5%
No lounge access
Contents
IndusInd Bank Samman RuPay Credit Card is a government-employee focused cashback credit card that works seamlessly with UPI. You earn flat 1% cashback on everyday retail spends up to ₹20,000 per statement cycle, keeping rewards simple and transparent. The card also offers a complimentary BookMyShow movie ticket every six months, railway surcharge waiver and nil cash advance fee. With RuPay and UPI acceptance across popular apps like Google Pay, PhonePe and Paytm, it is designed for secure, easy and fully digital payments.
Features of Samman Credit Card which makes it unique
Government Employee Focus
Card program tailored for central, state and PSU government employees with simple cashback and digital-first features.
Straightforward 1% cashback structure with low annual fee and practical benefits like surcharge waivers.
More focused on utility and low cost than premium lifestyle cards.
UPI-Enabled RuPay Credit Card
Use your credit card directly on UPI to scan and pay, without needing to switch between bank accounts.
Keeps all government employee spends consolidated on one card while enjoying interest-free credit period.
UPI on credit card acceptance is broader than traditional POS-only cards at small merchants.
Rewards Structure of Samman Credit Card
All Retail Spends
baseAll eligible retail transactions excluding fuel, cash withdrawals, EMI conversions, interest, fees and charges.
Cashback accumulated in the current cycle is credited to the Samman Credit Card account in the subsequent statement cycle.
UPI Credit Card Payments
baseScan and pay at merchants using the RuPay credit card via supported UPI apps such as Google Pay, PhonePe and Paytm.
Card must be successfully linked to the UPI app as a RuPay credit card; non-retail or restricted category spends may not earn cashback as per bank rules.
Milestones of Samman Credit Card
Annual Fee Waiver
₹75,000 in the previous card anniversary year : Reversal of the ₹199 annual fee in the next year, subject to bank terms and conditions.
Fees & Charges of Samman Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹199 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹250 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Annual fee of ₹199 plus taxes is waived when you spend ₹75,000 in the previous card year.
Fee Explanation No joining fee. Annual fee of ₹199 from year two (waived on ₹75,000 annual spends). Nil cash advance fee. Foreign currency markup of 3.5% plus taxes. Late payment and overlimit charges apply as per outstanding balance slabs in the MITC.
Detailed Explanation of Samman Credit Card Fees
Overlimit Fee: 2.5% of overlimit amount (min ₹500) (per occurrence)
Charged when total outstanding exceeds assigned credit limit.
Returned Payment Fee: ₹250 (per instance)
Applicable on returned cheque or failed payment as per MITC.
Foreign Currency Markup: 3.5% + taxes (per transaction)
Applied on international transactions and dynamic currency conversion transactions.
Fuel Surcharge: 1% fuel surcharge (per transaction)
Surcharge of 1% (minimum ₹10) levied; waiver applicable for specific transaction ranges as per bank policy and network rules.
Joining Fee: ₹0 (one-time)
No joining fee for IndusInd Bank Samman Credit Card.
Annual Fee: ₹199 + taxes (yearly)
Leviable from second year onwards. Waived if spends of ₹75,000 are met in the previous card anniversary year.
Cash Advance Fee: ₹0 (per transaction)
Cash advance charges are currently waived for Samman Credit Card (Government Sector) as per MITC.
Late Payment Fee: ₹0–₹1,300 (per statement)
Up to ₹100 – Nil; ₹101–₹500 – ₹100; ₹501–₹1,000 – ₹350; ₹1,001–₹10,000 – ₹550; ₹10,001–₹25,000 – ₹800; ₹25,001–₹50,000 – ₹1,100; Above ₹50,000 – ₹1,300.
Insurance Coverage with Samman Credit Card
Samman Travel Insurance
Complimentary travel insurance cover as per IndusInd Bank Samman Credit Card insurance policy.Coverage, limits and exclusions are governed by the group insurance policy arranged by IndusInd Bank; refer to latest policy document and MITC for detailed terms.
Additional Features of Samman Credit Card
UPI on Credit Card
Link the Samman RuPay Credit Card to popular UPI apps and pay by scanning merchant QR codes.
Available on compatible UPI apps such as Google Pay, PhonePe and Paytm; card must be active and successfully linked.
Nil Cash Advance Fee
No cash advance fee is charged on ATM cash withdrawals on this government sector Samman Credit Card variant.
Interest on cash withdrawals may still apply from the transaction date as per MITC; terms are subject to change by the bank.
Contactless Payments
Tap-and-pay enabled for quick, secure payments at NFC-enabled terminals.
Per-transaction and cumulative limits for contactless payments are governed by RBI guidelines and bank policy.
Welcome Bonus with Samman Credit Card
Welcome Bonus: N/A
Bonus Conditions: This card does not currently offer a separate one-time welcome bonus; benefits are in the form of ongoing 1% cashback on eligible retail spends as per IndusInd Bank policy.
Application Process for Samman Credit Card
Processing Time
Application decision is typically communicated within a few working days after successful verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the IndusInd Bank website and navigate to the Samman RuPay Credit Card page.
Click on Apply Now and fill in your personal, employment and contact details accurately.
Upload KYC and income documents and share your government employee ID proof as required.
Complete any video KYC or additional verification steps initiated by the bank.
On approval, your Samman RuPay Credit Card is dispatched to your registered address and can then be linked to UPI apps.
Required Documents for Samman Credit Card
Identity Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
Employment Proof
allAccepted documents:
Samman Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India at RuPay-enabled POS terminals, e-commerce websites and UPI QR merchants.
International Acceptance
Acceptance at selected international merchants and ATMs on the RuPay network or partner networks where enabled.
Online Acceptance
Accepted on most major Indian online platforms and billers that support RuPay cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Samman Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
0+
Citizenship
Indian resident only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Exclusively for eligible central, state or PSU government sector employees with stable income and a good credit history, as per IndusInd Bank’s internal credit policy.
How Approval Is Decided
- Applicant must be an eligible government sector employee as defined by IndusInd Bank.
- Applicant must be an Indian resident aged 21 years or above.
- Applicant must meet the bank’s internal income, stability and credit history requirements.
- Final approval is at the sole discretion of IndusInd Bank based on its credit policy.
Pros of Samman Credit Card
- Simple 1% cashback structure on eligible retail spends up to ₹20,000 each statement cycle.
- No joining fee and low annual fee with a clear spend-based waiver condition.
- Nil cash advance fee and useful surcharge waivers on railways and fuel.
- UPI integration with popular apps, making it easy to use the card for QR-based payments.
- Designed specifically for government sector employees, matching their spending patterns.
Cons of Samman Credit Card
- Monthly cashback is capped at ₹200, which may feel restrictive for high spenders.
- No international lounge access or travel rewards; card is more utility-focused than lifestyle-focused.
- Foreign currency markup of 3.5% makes it less attractive for frequent international travellers.
- No complex milestone reward structure beyond the annual fee waiver.
Frequently Asked Questions about Samman Credit Card
Who is eligible for the IndusInd Bank Samman RuPay Credit Card?
The Samman Credit Card is designed exclusively for eligible government sector employees in India, including central, state and PSU employees, who meet IndusInd Bank’s income and credit norms.
What cashback do I earn on the Samman RuPay Credit Card?
You earn flat 1% cashback on eligible retail spends up to ₹20,000 per statement cycle, giving you a maximum cashback of ₹200 each month. Cashback from the current cycle is credited in the next statement cycle.
Is there a joining fee or annual fee on the Samman Credit Card?
There is no joining fee. From the second year onwards, an annual fee of ₹199 plus taxes is applicable, which is waived when your spends in the previous card year reach ₹75,000.
Can I link the Samman RuPay Credit Card to UPI apps?
Yes. You can link your Samman RuPay Credit Card to supported UPI apps such as Google Pay, PhonePe and Paytm, then scan merchant QR codes and pay using your credit card while enjoying the applicable cashback benefits.
Are there charges for cash withdrawals on the Samman Credit Card?
IndusInd Bank currently does not levy a cash advance fee on Samman Credit Card cash withdrawals. However, finance charges and taxes may apply from the date of withdrawal as per the MITC until the amount is repaid.
What extra benefits do I get besides cashback?
Along with cashback, you receive one assured BookMyShow movie ticket worth up to ₹200 every six months, a 1% railway surcharge waiver on eligible IRCTC bookings with annual caps, and access to complimentary travel insurance cover as per the applicable policy terms.
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