IndusInd Samman

Product Overview

Eligibility Criteria

✔️ Applicant must be an Indian resident.

✔️ Applicant should be a Government Sector Employee (Central Government, State Government, PSU, Defence, Railways, etc.).

✔️ Age: 18 to 70 Years.

✔️ Salaried Government Employee.

✔️ Minimum Net Monthly Income: ₹20,000+.

✔️ Good CIBIL Score (750+ preferred).

✔️ Subject to IndusInd Bank's internal credit assessment and verification.

Features and Benefits

✔️ 1% Cashback on all eligible retail spends, including UPI transactions through RuPay Credit Card.

✔️ Link your RuPay Credit Card to UPI apps and make QR-code payments seamlessly.

✔️ 2 Complimentary Movie Tickets Every Quarter through BookMyShow.

✔️ 1% Fuel Surcharge Waiver across fuel stations in India.

✔️ 1% Railway Surcharge Waiver on IRCTC bookings.

✔️ Contactless Payment Technology for secure transactions.

✔️ Personal Accident Insurance Benefits.

✔️ Cash Advance Facility Available.

✔️ Designed exclusively for Central Government, State Government, PSU and Government Sector Employees.

Fees & Charges

✔️ Joining Fee: Nil.

✔️ Annual Fee: Nil (Lifetime Free).

✔️ Interest-Free Period: Up to 50 Days.

✔️ Finance Charges: As per bank's prevailing policy.

✔️ Cash Withdrawal Facility Available.

✔️ Late Payment Charges: As per applicable statement balance slabs.

Documents Required

✔️ PAN Card

✔️ Aadhaar Card

✔️ Government Employee ID Card

✔️ Latest Salary Slip

✔️ Address Proof

✔️ Bank Statement (Last 3–6 Months)

✔️ Passport Size Photograph

✔️ Employment Proof / Department ID Proof

FAQs

Q1. Who can apply for IndusInd Samman Credit Card?

Ans. The card is exclusively available for Government Sector Employees including Central Government, State Government and PSU employees.

Q2. Does the card support UPI payments?

Ans. Yes, the RuPay variant can be linked with UPI apps for Scan & Pay transactions.

Q3. What cashback does the card offer?

Ans. Cardholders earn 1% cashback on eligible retail and UPI transactions.

Q4. Are movie benefits available?

Ans. Yes, eligible cardholders can get complimentary movie tickets through BookMyShow.

Q5. Is the card Lifetime Free?

Ans. Yes, the card comes with zero joining fee and zero annual fee.

Terms & Conditions

✔️ Cashback is applicable only on eligible retail transactions.

✔️ Fuel surcharge waiver is applicable on transactions between ₹400 and ₹4,000.

✔️ Railway surcharge waiver is available on eligible IRCTC transactions.

✔️ Movie benefits are subject to quarterly spending criteria and program terms.

✔️ Approval is subject to IndusInd Bank's credit policy and verification process.