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IndusInd Bank
RuPay
Samman

IndusInd Bank Samman

A UPI-enabled RuPay card from IndusInd Bank for government-sector employees, offering 1% cashback (capped at ₹200/month), a waivable ₹199 annual fee, and monthly complimentary lounge access limited to Delhi T3.

cashbackrupay-upifees-free

Last reviewed 26 July 2026

Fees

Joining fee

₹0

Annual fee

₹199

Waiver: The ₹199 annual/renewal fee is waived on spending ₹75,000 or more in the preceding year, per CardInsider and corroborated by Paisabazaar and Finanjo. There is no joining fee.

Eligibility

Employment: salaried

Rewards

all other1% cashback(cap ₹200 cashback/1mo)

Welcome benefits

  • • No dedicated one-time welcome bonus is documented for this card across the sources reviewed; ongoing value comes from the cashback rate, movie offer, and lounge access described below rather than a signup bonus.

Perks

  • ✓Domestic lounge access: 12/yrComplimentary RuPay Select lounge-program access limited to Delhi (T3) airport, once per month, per CardInsider. No spend-based unlock condition is mentioned by any source reviewed.
  • ✓Fuel surcharge waiver: 1%On transactions between ₹400 and ₹4,000, per CardInsider.
  • ✓Forex markup: 3.5%
  • ✓Lost baggage cover of ₹1,00,000
  • ✓Delayed baggage cover of ₹25,000
  • ✓Lost passport cover of ₹50,000
  • ✓Lost ticket cover of ₹25,000
  • ✓Missed connection cover of ₹25,000
  • ✓1% surcharge waiver on railway ticket bookings, per CardInsider
  • ✓No cash withdrawal charges cited by CardInsider
  • ✓UPI-enabled RuPay card, so it can be linked to UPI apps for QR/UPI payments

Common questions

What is the annual fee on the IndusInd Bank Samman?
The joining fee is ₹0. The annual fee is ₹199. The ₹199 annual/renewal fee is waived on spending ₹75,000 or more in the preceding year, per CardInsider and corroborated by Paisabazaar and Finanjo. There is no joining fee.
What are the reward rates on the IndusInd Bank Samman?
IndusInd Bank Samman earns 1% cashback on all other spends.
Does the IndusInd Bank Samman offer airport lounge access?
Yes: 12 domestic lounge visits per year (Complimentary RuPay Select lounge-program access limited to Delhi (T3) airport, once per month, per CardInsider. No spend-based unlock condition is mentioned by any source reviewed.).
Who is eligible for the IndusInd Bank Samman?
Eligibility is set by IndusInd Bank and can vary by application; check the issuer page for current criteria.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

₹
1% cashback· cap ₹200 cashback/1mo
Estimated annual value—
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