What is the annual fee for Samman RuPay Credit Card?

The annual fee is ₹199. However, it gets waived if you spend ₹80,000 or more in a calendar year, making it effectively free for regular spenders.

How to apply for Samman RuPay Credit Card?

You can apply online through IndusInd Bank's website or visit a branch with your KYC documents. The card is specifically designed for government employees, so proof of government employment may be required during verification.

What are the eligibility criteria for Samman RuPay Credit Card?

This card is targeted at government employees. Specific income and employment tenure requirements are not disclosed — contact IndusInd Bank directly or check their website for detailed eligibility criteria applicable to your employment status.

Does Samman RuPay Credit Card offer airport lounge access?

The card details provided do not mention airport lounge access. For confirmation on lounge benefits or other ancillary privileges, you should verify directly with IndusInd Bank.

Is Samman RuPay Credit Card worth it?

It's worthwhile if you're a government employee spending at least ₹80K annually, as the fee waives completely. The combination of 1% cashback and regular movie tickets adds value, though rewards are modest. Compare with other cards on OnePaisa to find the best fit for your lifestyle.

Credit Cards

GovernmentEntryRuPay

Samman RuPay Credit Card

Govt employee card with waivable fees and movie perks

Annual fee₹199Waived on ₹0.8L spend

Rewards1%Cashback

Forex markup3.5%

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with IndusInd Bank. Full disclaimer

Welcome benefits

One assured complimentary movie ticket up to ₹200 every 6 months in a calendar year via BookMyShow

Rewards

Base earn rate

0 pts per ₹100

Cashback category	Rate	Cap
Retail	—	—

Credit cycle: subsequent_statement

• Redemption fee: ₹100

Lounge access

Domestic

0visits / year

International

Not included

Fees & charges

Joining fee: ₹0 (Free)
Annual / renewal fee: ₹199 per year
Annual fee waiver: On ₹0.8L spend
Interest rate: 3.95% per month (47.4% p.a.)
Interest-free period: 50 days
Cash advance fee: Nil Cash Advance fee
Overlimit fee: 2.5%, min ₹500
Payment dishonour: ₹250
Forex markup: 3.50%
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver

View official MITC →

Insurance covers

Travel insurance

₹1L

Baggage loss

₹1L

Eligibility

Employment types

Government

Only for Government Employees

Features

✓ UPI linkage

Additional features

UPI scan and pay functionality
Can be linked to BHIM, PhonePe, Paytm, Google Pay UPI apps
Railway surcharge waiver on IRCTC

FAQs

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Reward2%

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2 reward points per ₹100 spent
PAYBACK points earning on all spends
1 complimentary domestic lounge visit per quarter — ICICI's MITC (§8, Jul-2026) applies a ₹75,000 previous-quarter spend requirement to Coral lounge access; the card membership guide states the visit count but does not restate this condition.

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📖 Guides about this card

🔧 Useful tools

Credit Cards

GovernmentEntryRuPay

Samman RuPay Credit Card

Govt employee card with waivable fees and movie perks

Annual fee₹199Waived on ₹0.8L spend

Rewards1%Cashback

Forex markup3.5%

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with IndusInd Bank. Full disclaimer

Welcome benefits

One assured complimentary movie ticket up to ₹200 every 6 months in a calendar year via BookMyShow

Rewards

Base earn rate

0 pts per ₹100

Cashback category	Rate	Cap
Retail	—	—

Credit cycle: subsequent_statement

• Redemption fee: ₹100

Lounge access

Domestic

0visits / year

International

Not included

Fees & charges

Joining fee: ₹0 (Free)
Annual / renewal fee: ₹199 per year
Annual fee waiver: On ₹0.8L spend
Interest rate: 3.95% per month (47.4% p.a.)
Interest-free period: 50 days
Cash advance fee: Nil Cash Advance fee
Overlimit fee: 2.5%, min ₹500
Payment dishonour: ₹250
Forex markup: 3.50%
DCC markup: 1%
Reward redemption: ₹100 per redemption
Fuel surcharge: 1% waiver

View official MITC →

Insurance covers

Travel insurance

₹1L

Baggage loss

₹1L

Eligibility

Employment types

Government

Only for Government Employees

Features

✓ UPI linkage

Additional features

UPI scan and pay functionality
Can be linked to BHIM, PhonePe, Paytm, Google Pay UPI apps
Railway surcharge waiver on IRCTC

Samman RuPay Credit Card

Explore related credit cards

Guides and tools

Samman RuPay Credit Card

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Guides and tools