IndusInd Bank Samman RuPay Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Each month, you have the opportunity to earn a cashback of 1%. You will receive two complimentary movie tickets annually. It is possible to link this card to UPI applications.

The IndusInd Bank Samman RuPay Credit Card is an ideal choice for avid shoppers.

With a joining fee of Nil and a renewal fee of only Rs. 199, it offers great value for money.

One of the standout features of this credit card is its cashback rewards program.

Users can enjoy 1% cashback on spends of Rs. 20,000 in a statement cycle, with a maximum cashback of Rs. 200.

This is a fantastic way to save while indulging in your shopping spree.

For movie buffs, the card offers a complimentary movie ticket every six months.

This perk adds to the overall delight of using the card.

Additionally, it provides a 1% surcharge waiver on railway transactions, making it convenient for those who frequently travel by train.

While the card does not offer any domestic or international lounge access, it makes up for it with its other benefits.

Cardholders can enjoy travel insurance, providing them with peace of mind during their journeys.

Furthermore, the Samman RuPay Credit Card provides a spend-based waiver.

If you spend Rs. 75,000 in a year, you can enjoy a waiver on certain charges.

This feature is beneficial for regular users who can maximize their savings.

In terms of fees, there is no rewards redemption fee, which makes it hassle-free to redeem your hard-earned rewards.

The foreign currency markup is at a competitive rate of 0.035, ensuring that you don't incur hefty charges while using your card overseas.

It's worth mentioning that the interest rate on this card is 3.95% per month (47.40% per year).

While this might seem a little higher than some other credit cards, it is still within a reasonable range.

For fuel transactions, the card offers a 1% fuel surcharge on transactions ranging from Rs. 400 to Rs. 4,000.

This benefit helps you save while filling up your tank.

Overall, the IndusInd Bank Samman RuPay Credit Card is an excellent choice for those who love shopping and want to earn cashback rewards.

With its attractive features and reasonable fees, it provides a rewarding experience for cardholders.