IndusInd Bank
IndusInd Bank Samman Credit Card
Data last verified: 11 October 2026
- Joining feeFree
- Annual fee₹199 + GST
- Reward rate1% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual fee₹199 + GST
- Fee waiverOn ₹75,000 spend a year
- Forex markup3.5%
- Interest (APR)3.95% a month, 47.4% a year
01IndusInd Bank Samman Credit Card Rewards and Benefits
02IndusInd Bank Samman Credit Card Annual Fee and Charges
- Joining fee
- Free
- Annual fee
- ₹199 + GST
- Spend-based waiver
- Annual fee waived on ₹75,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.95% a month (47.4% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹2,400
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Spending ₹6,250 or more a month: the ₹235 fee is waived
Skip it if…
- you spend less than ₹6,250 a month (₹75,000 a year, rent and wallet loads not counted): the ₹235 fee is then charged
- most of your spending is fuel: those earn nothing on this card
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.95% a month (47.4% a year) outweighs any reward
04How IndusInd Bank Samman Credit Card earns Rewards
1% on most spends. The normal rate is capped at ₹200 a month.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | The card's normal rate |
| Online shopping | 1% | No cap | The card's normal rate |
| Dining and food delivery | 1% | No cap | The card's normal rate |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1% | No cap | The card's normal rate |
| Rent | 1% | No cap | The card's normal rate |
| Insurance premiums | 1% | No cap | The card's normal rate |
| School and college fees | 1% | No cap | The card's normal rate |
| Wallet top-ups | 1% | No cap | The card's normal rate |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1% cashback on retail spends. Only the first ₹20,000 of eligible retail spend in a statement cycle counts, so cashback is hard-capped at ₹200/cycle. RuPay-on-UPI spends count; cash withdrawals and railway do not. Fuel is excluded under IndusInd's portfolio-wide petrol terms.
05IndusInd Bank Samman Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, insurance cover, movie ticket offers.
- Fuel surcharge waiver: 1% fuel-surcharge waiver on transactions from ₹400 to ₹4,000, with no capping. Also a 1% railway-surcharge waiver on bookings to ₹5,000, ₹600 maximum per anniversary year.
- Insurance cover: Travel cover underwritten by The Oriental Insurance Company, lost baggage ₹1,00,000, delayed baggage ₹25,000, loss of passport ₹50,000, lost ticket ₹25,000 and missed connection ₹25,000. Contingent cover you claim against, not money you receive, so it is valued near zero.
- Movie ticket offers: One complimentary BookMyShow movie ticket up to ₹200, once every six months in a calendar year
06IndusInd Bank Samman Credit Card Eligibility and Documents
Documents. PAN card Aadhaar / valid address proof Government-employment / salary proof Latest bank statement Recent passport-size photograph
07Recent Changes
What IndusInd Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jun 2026 | Reduced: Dynamic Currency Conversion fee doubled to 2%Source: IndusInd Bank | 1% mark-up + taxes | 2% + GST |
| 15 Jun 2026 | Reduced: Fuel-fee threshold cut from ₹50,000 to ₹30,000/cycleSource: IndusInd Bank | 1% + GST above ₹50,000 per cycle | 1% + GST above ₹30,000 per cycle |
| 15 Jun 2026 | Reduced: New 1% surcharge on transport spends above ₹40,000/cycleSource: IndusInd Bank | No transport surcharge | 1% + GST above ₹40,000 per cycle |
| 21 Dec 2025 | Reduced: Complimentary air-accident insurance withdrawnSource: IndusInd Bank | Complimentary air-accident cover provided with the card | No air-accident cover |
| 4 May 2025 | Reduced: New 1% fee on fuel spends above ₹50,000/cycleSource: IndusInd Bank | No bank fee on fuel spends | 1% + GST on cumulative fuel above ₹50,000 per statement cycle |
See this card's change history → · All card changes in June 2026 →
08Cards Similar to IndusInd Bank Samman Credit Card
IndusInd Bank Samman Credit Card is a cashback card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IndusInd Bank Samman Credit Card |  HSBC Live Plus Credit Card |  Kiwi Credit Cards |
|---|---|---|---|
| Joining fee | Free | ₹999 + GST | Lifetime free |
| Annual fee | ₹199 + GST | ₹999 + GST | Lifetime free |
| Rewards | 1% on most spends | 1.5% base, up to 10% on dining | 1% base, up to 1.5% on UPI payments |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Cashback | Dining | Cashback |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Already Have a Credit Card?
Track your card spending with SkyloFin - Expense Tracker. Statements, due dates and every spend, read from your bank SMS on your own phone.
Common Questions
What is the joining fee for the IndusInd Bank Samman Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IndusInd Bank Samman Credit Card?
The annual fee is ₹199 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IndusInd Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
Other options worth a look
See all credit cards
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
