IndusInd Bank Samman Credit Card

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 Other ( 1% back).

• 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

• 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

Ways to convert what you earn into real value.

🎁 Cashback auto-credited to the card account in the subsequent statement cycle

For government employees seeking a low-maintenance payment tool, the Samman card serves as a practical everyday option. While its 1% cashback is strictly limited to ₹200 per statement cycle, the straightforward ₹199 annual fee waiver threshold alongside UPI compatibility, bi-annual movie tickets, and surcharge waivers provide steady utility. It cannot compete with uncapped or high-yield cashback cards on heavy spends, but as an accessible entry-level option, it delivers dependable basic value.

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 verified 6 Aug 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.

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 · 7 changes · last change Jun 2026

▲ Revaluation ▼ Devaluation ◆ Neutral / reversed

▼ Fee Effective 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

▼ Fee Effective 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

▼ Fee Effective 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

▼ Benefit Effective 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

▼ Fee Effective 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

▼ Fee Effective Oct 2024

New 1% fees on utility and wallet-load spends

No fee on utility or wallet-load spends → 1% + GST above ₹25,000 (utility) / ₹20,000 (wallet) per cycle

From statements generated in October 2024, cumulative utility payments above ₹25,000 in a statement cycle attract 1% + GST on the entire amount, and wallet loads above ₹20,000 likewise. Unlikely to bite most Samman holders — the card's own cashback stops at ₹20,000 of eligible retail spend a cycle — but the fee applies to the whole cycle's spend once the threshold is crossed.

Verification: IndusInd Bank ↗ · Confidence: High

◆ Launch Effective 9 Jan 2024

Samman RuPay launched for government-sector employees

IndusInd launched the UPI-enabled Samman RuPay Credit Card with NPCI, aimed specifically at government-sector employees. It debuted with cashback on retail spends, complimentary movie tickets, no charges on cash advances, and surcharge waivers on IRCTC and fuel transactions — the pitch being a credit card that can be linked to a UPI app and used by scanning a merchant QR.

Verification: IndusInd Bank ↗ · Confidence: High

↓ Show all 7 changes 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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Quick summary

Type Entry credit card

Reward rate 1%

Best for Government-sector employee wanting a simple, near-free everyday card

Joining fee Free

Annual fee ₹199

Reviewed by

Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade

Last verified 6 Aug 2026

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