LOW ANNUAL FEE UPI ENABLED CARD, EXCLUSIVELY FOR GOVERNMENT EMPLOYEES

IndusInd Bank Samman RuPay Credit Card 

IndusInd Bank Samman RuPay Credit Card  - Our Money Guide Our Rating 3.5
Top Reasons to Choose
✔︎
Exclusive card for government sector employees
✔︎
You can use your card for UPI payments
✔︎
Low annual fee of ₹199
✔︎
1 free movie ticket (upto ₹200), every 6 months - at BookMyShow
Annual Fee

₹199

  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹75000 or more in the previous year
Minimum Income

Not specified

Card is exclusively for government sector employees

Low annual fee of ₹199 (and is waived off if you spend ₹75000 in your previous year)

Card is UPI enabled – you can use it for UPI 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 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 (upto ₹200 each)

1% railway surcharge waiver (upto ₹600 per year), only on railway transactions upto ₹5000

1% fuel surcharge waiver, on fuel transactions between ₹400 and ₹4000 only

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

Drawbacks to consider
– Comparatively low reward rate on card spends


To read the full review of the card, please click here

LIFETIME FREE CARD, ENABLED FOR UPI PAYMENTS

IndusInd Bank Platinum RuPay Credit Card

IndusInd Bank Platinum RuPay Credit Card - Our Money Guide Our Rating 3.5
Top Reasons to Choose
✔︎
Lifetime free card, enabled for UPI payments
Annual Fee

₹

  • Nil
Minimum Income

Not specified

Lifetime free card, enabled for UPI payments

0.7% cashback on UPI spends || 0.35% cashback on all other card spends OR
2% reward (in terms of Club Vistara Points/InterMiles) on UPI spends || 1% reward (in terms of Club Vistara Points/InterMiles) on all other card spends
– You get 2 rewards points worth ₹0.70 (70 paise), on every ₹100 of UPI spends
– You get 1 rewards points worth ₹0.35 (35 paise), on every ₹100 you spend on all other spends (non-UPI)
– 1 rewards point = ₹0.35, and can be redeemed as cashback into your credit card statement.
– You can also transfer reward points to Club Vistara and Intermiles, 1 reward point = 1 Club Vistara Point/ 1 InterMile.
Exceptions :
– You get 0.70 reward points worth ₹0.24 (24 paise), on the following spends – utility bill payments, insurance premium payments, government services/charges/payments, education institute fees, and real estate/rental payments.
– No reward points are given on fuel purchases

Fuel surcharge waiver : You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 only

Benefits
– Lifetime free card, enabled for UPI payments

Drawbacks to consider
– Low reward rate on card spends


To read the full review of the card, please click here
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