First-year fee
₹0
Annual fee
₹199 a year.
What it gives back
1% cashback on all retail spends up to ₹20,000 in a statement cycle (capped at ₹200)
How it compares
Compared with the cards we have read
Fees
Joining fee
₹0
Annual fee
₹199 a year.
Add-on card fee
Add-on card fee: NIL.
Rewards
Reward rate
1% cashback on all retail spends up to ₹20,000 in a statement cycle (capped at ₹200)
Reward caps
Maximum cashback that can be earned in a statement cycle is capped at ₹200. Spends above ₹20,000 will not attract any cashback hence the cashback amount is ₹200.
Card benefits
Priority Pass
Priority Pass is not available on Samman.
Movie or entertainment ticket benefitMovies and entertainment
Get one assured complimentary movie ticket upto ₹200/- every 6 months in a calendar year via BookMyShow. The price of the free ticket is capped at ₹200. In case the price of the ticket is more than ₹200, the cardholder will receive a discount of ₹200 and the remaining amount will have to be paid using the IndusInd Bank Credit Card.
Also included
Fuel surcharge waiver
Enjoy a waiver of 1% on fuel surcharge at any petrol pump within India.
Surcharge on railway tickets
For Samman: Waiver of 1% Railway Surcharge on transaction up to ₹5,000. This is applicable on booking via www.irctc.co.in or IRCTC App. The maximum cap on Railway Surcharge waiver is ₹600 per card anniversary year.
Insurance benefitTravel insurance
Travel Insurance Cover: IndusInd Bank has tied up with The Oriental Insurance Company Limited as a group manager to provide cardholders with the following insurance cover under its program. Sum Assured (up to): Lost baggage ₹1,00,000; Delayed baggage ₹25,000; Loss of passport ₹50,000; Lost ticket ₹25,000; Missed connection ₹25,000.
Charges
Forex markup
3.5% + GST3.5% plus GST at the standard rate
Cash advance fee
Waived - no cash advance charge on this card.
Interest on unpaid balance
3.95% Monthly Rate, 47.40% Annual Rate.
Interest-free period
Up to 50 days
Late payment fee
Nil to ₹1,300 by outstanding balance (₹1,300 above ₹50,000)
Over-limit fee
2.5% of Over Limit Amount, subject to a minimum of ₹500
Payment return or dishonour fee
Returned payments: ₹250
Card replacement fee
Re-issue/Replacement: ₹100 for All Other Credit Cards.
Education / school fee charge
1% Fee + GST on the cumulative spends on education payments transactions made through third-party websites and applications more than ₹45,000 in a statement cycle
Wallet load charge
1% Fee + GST on the cumulative spends on wallet loading transactions more than ₹20,000 in a statement cycle
Rent transaction fee
1% Fee + GST levied on each transaction on rent payments through third-party merchants
Utility transaction fee
1% Fee + GST on the cumulative spends on utility payments transactions more than ₹25,000 in a statement cycle
Grace days after the due date
Grace period of 3 days is allowed from the payment due date on Credit Card Accounts, where payments are not overdue; late payment charges are levied when the account remains past due for more than 3 days.
Minimum amount due
100% of EMI amount + 100% of GST + 100% of Fees/Charges + 100% of Finance Charges + Overlimit Amount (if any) + 2% of Retail Spends/Cash Advance/remaining balance outstanding
Eligibility
Eligibility
For government sector employees
Ways to redeem your points
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
Interest free credit period is applicable only if all previous dues are paid in full, and there is no unpaid balance carried over from previous month's statement outstanding dues
How we know - 4 documents from IndusInd Bank, checked 8 Nov 2026
₹199 a year
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