M16S / IndusInd Bank / IndusInd Samman RuPay Credit Card
entry · cashback, upi
IndusInd Samman RuPay Credit Card
The IndusInd Samman RuPay Credit Card costs Rs 199 a year, waived if you spend Rs 75,000 in a year. Its base return is 1%. The forex markup is 3.5%. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 199+ GST
- Fee waived at
- Rs 75,000annual spend
- Base return
- 1%
- Forex markup
- 3.5%
- Interest
- 3.95%a month
Apply on indusind.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 199 |
| Annual spend that waives the fee | Rs 75,000 |
| Fee notes | Annual fee Rs 199 charged only if Rs 75,000 is not spent in the card anniversary year |
Rewards
| Welcome benefit | None |
|---|---|
| Reward currency | Cashback |
| Base earn | 1% cashback on retail spend, on up to Rs 20,000 of spend per statement cycle |
| Base return | 1% |
| Point value | Cashback credited to the card account in the following statement cycle |
| Caps | Max cashback Rs 200 per statement cycle; spend above Rs 20,000 in a cycle earns nothing |
| Spends that earn nothing | Not listed by sources read |
| Reward notes | base_return_pct = 1% on the first Rs 20,000 per cycle; nothing above that. |
Travel and perks
| Domestic loungeunverified | Aggregator mentions RuPay lounge access (Delhi T3) once a month; issuer MITC lists no Priority Pass |
|---|---|
| International lounge | None |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% waiver at any petrol pump in India, Rs 400-4,000 transactions (issuer Samman MITC); 1% + GST fee above Rs 30,000 fuel spend per cycle |
| Other freebies | 1% railway surcharge waiver on IRCTC site and app, transactions up to Rs 5,000; one assured BookMyShow ticket up to Rs 200 every 6 months; nil cash advance fee; UPI linkable, with biometric authentication; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection) |
Charges and eligibility
| Interest per month | 3.95% |
|---|---|
| Late payment fee | By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 |
| Cash advance fee | Waived (interest still applies) |
| Eligibility | Government sector employees only |
| Fine-print notes | Issuer product page read as plain text on 2026-10-12; fields updated from it. Page does not mention airport lounges or the annual fee; those fields are unchanged. Earlier non-issuer data not found on the issuer page (unconfirmed): railway surcharge waiver capped at Rs 600 a year (Card Insider). Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other). |
Questions
- What is the annual fee of the IndusInd Samman RuPay Credit Card?
- Rs 199 a year, before GST. It is waived if you spend Rs 75,000 in a year.
- Does the IndusInd Samman RuPay Credit Card give airport lounge access?
- Yes. In India: Aggregator mentions RuPay lounge access (Delhi T3) once a month; issuer MITC lists no Priority Pass. Outside India: none listed.
- What is the forex markup on the IndusInd Samman RuPay Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the IndusInd Samman RuPay Credit Card?
- Not listed by sources read