IndusInd Bank Samman RuPay Credit Card is a credit card available only for government employees. You can make and earn rewards on UPI payments, since the card is on the RuPay platform.

Pros & Cons of IndusInd Bank Samman RuPay Credit Card 

Pros

  • Low fee card
  • You can use your card for UPI payments
  • Annual fee is waived, if you spend ₹75000 in the previous year

Cons

  • Comparatively low reward rate on card spends

Features & Benefits of the IndusInd Bank Samman RuPay Credit Card 

Card is exclusively for government sector employees

This card is only available for government sector employees.

Card is UPI enabled

You can use this card for all UPI payments, allowing you to earn rewards on your day to day spends. You can link the card to all UPI apps and make payments.

1% cashback (upto ₹200 per month), on all credit card spends

You get ₹1 (as cashback), on every ₹100 you spend on your credit card.

This benefit is valid on card spends upto ₹20,000 per month, since the maximum cashback is restricted to ₹200 per month.

1 free movie ticket (upto ₹200), every 6 months – at BookMyShow

You can get a maximum of 2 free movie tickets per year, one each for every 6 months. The maximum discount given on the 2nd ticket is ₹200, hence you get benefits of ₹400 every year.

1% railway surcharge waiver, upto ₹600 per year

The maximum waiver amount is restricted to ₹600 per year.

This waiver is given only on railway transactions upto ₹5000. On railway transactions above ₹5000, this benefit is not applicable.

1% fuel surcharge waiver

You get fuel surcharge waiver on fuel transactions between ₹400 and ₹4000 only. This benefit is applicable at all fuel pumps.

GST on fuel surcharge will be borne by the customer.

Complimentary insurance benefits

You get complimentary travel insurance covers-
– Lost baggage cover of ₹1 lakh
– Delayed baggage cover of ₹25000
– Loss of passport cover of ₹50000
– Lost ticket cover of ₹25000
– Missed connection cover of ₹25000

How to link your Platinum RuPay Credit Card on UPI?

Step 1: Open your UPI app (BHIM, PhonePe, Paytm, Google Pay)*
Step 2: Select the option “Add Credit Card/Link Credit Card”
Step 3: Select Credit Card Issuer Bank (IndusInd Bank)
Step 4: Select your IndusInd Bank Platinum RuPay Credit Card
Step 5: Proceed to generate UPI PIN
*(Download the UPI app from Playstore/App Store if you are not registered on any UPI app yet, verify your mobile no. and continue from Step 2 as shared above)

Set UPI Pin
Step 1: Select Generate PIN option > Select Platinum RuPay Credit Card
Step 2: Enter Platinum RuPay Credit Card Details:
– Last 6 digits
– Expiry Date
(OTP will be triggered on your registered mobile number)
Step 3: Enter OTP and Set PIN of your choice

Making UPI Payments with your Platinum RuPay Credit Card
– Scan Merchant QR Code or enter Merchant UPI ID
– Enter Amount to be paid or pay auto-fetched amount
– Select Platinum Rupay Credit Card from the list of payment options
– Enter UPI PIN of your Credit Card & Click Confirm
(Transaction status can be seen in Transaction History of your UPI App)

24/7 IndusInd customer support 

You can reach IndusInd Bank 24 hours a day, please click here for all the options to contact the bank. 

It is recommended to call the bank from your registered mobile number, this will ensure you are instantly connected to a phone banking officer.

IndusInd Bank Samman RuPay Credit Card  Fees and Charges

Annual fee


Annual feeAnnual fee offers
1st year joining fee₹199
Renewal fee from 2nd year onwards₹199 Annual fee is not charged from the 2nd year onwards, if you spend ₹75000 or more in the previous year

Interest rate – 3.95% per month

To view all fees and charges, please click here – IndusInd Credit Cards Fees & Charges

Eligibility Criteria

Minimum age21 years
Maximum age65 years
OccupationGovernment employees only
Minimum income requirementsNot specified
Credit scoreNot specified, preferably above 750

Application Process

Online application process
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the IndusInd Bank website.

You can also visit official website of the bank and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.

Steps :
– To apply, simply provide your personal details, such as your PAN number, mobile phone number, income & emplyment details, , address, along with the other requirements asked for
– Submit the applicationOffline (face to face) application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.

Documents required

Required documents
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement
– Income proof : latest salary slip/s, income tax return etc

Additional documents maybe required on a case-to-case basis.