Credit Card Compare

IndusInd Bank Samman RuPay Credit Card

Data last updated 23 October 2026
47.40%
Purchase rate
₹0
Annual fee
Not published
Interest-free
Application

CardIQ

38Basic

Basic

Overall score, out of 100 · How this works

  • Cashback36
  • Lifetime free52
  • Rewards25

Customer reviews

No reviews yet. Be the first to review the IndusInd Bank Samman RuPay Credit Card.

Pros & cons

What's good

  • No annual fee.
  • Earns cashback on eligible spending.
  • No fee to add an additional cardholder.

Worth noting

  • The annual fee increases from ₹0 to ₹199 in the second year.
  • The 47.4% p.a. purchase rate sits in the most expensive quarter of cards (the median is 45% p.a.) if you carry a balance.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
47.40% p.a.
Purchases
47.40% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
No annual fee
Annual fee (year 2+)
₹199 p.a.
Cash advance fee
—
Foreign transaction fee
2%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Not published
Minimum repayment
Minimum Amount Due is calculated as 2% of Total Amount Due or such other amount as may be determined by IndusInd Bank at its sole discretion.

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Cashback

Cashback cap
₹200 per month
Ongoing cashback
1% on eligible spend

1% cashback on all retail spends up to ₹20,000 in a statement cycle; maximum ₹200 per statement cycle. Credited in the subsequent statement cycle.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee₹199 a yearTop 25% (9th of 49 cards)
Overseas fee2.00%Top 25% (9th of 49 cards)
Purchase rate47.40%Not as good as most cards (39th of 49 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

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Issuer
IndusInd Bank