IndusInd Bank Samman RuPay Credit Card

Card Intro

Welcome Benefits

Credit Card for the government sector employees with UPI feature.

Interest Free Period

20 to 50 Days

Payment Gateway

Rupay

Card Fees

Joining Fee(once)

Nil

Annual Fee(2nd year onwards once)

Rs. 199

Add-on Card Fee

Nil

Annual Fee Waive off

Annual spends greater than Rs. 75,000

Card Features, Rewards and Benefits

Cashback

1% cashback on all spends up to ₹ 20,000 in a statement cycle(Max Rs.200 per statement).

Rewards

Nil

Milestone Benefits

Nil

Fuel Surcharge Waiver

1% for transactions between Rs. 400 to Rs. 4000.

Dining

–

Movie Benefits

BookMyShow: 1 assured Ticket of Rs.200 every 6 months.

Lifestyle Benefits

Nil

Travel Benefits:

Cover upto Rs. 25,000 for Loss of Travel tickets, Delay of Check-in baggage, upto Rs.50,000 for Loss of Passport and upto Rs. 1,00,000 Loss of Check-in baggage.

Lounge Benefits

–

Hotel Benefits

Nil

Insurance Benefits

Nil

Concierge Benefits

Nil

Health Benefits

Nil

Card Charges

Cash Payment fees at branches

Rs.100

Cash Withdrawal Fees or Cash Advance Fees

Waived

Card Replacement Fees

Rs. 100

Charge slip Retrieval Fee

Rs. 300

Cheque Payment Fee

N/A

DCC Markup Fees(Dynamic & Static Currency Conversion Markup Fee)

1% on International transaction

Duplicate Statement Fee

Rs.100 per statement (beyond last 3 months)

Emergency Card Replacement (When Abroad)

N/A

EMI Processing Fees

Rs. 249

Finance Charges

3.95% per month (47.40% per annum)

Foreign Currency Transaction fee(Forex Charges)

3.5% of the transaction value

Late Payment charges

Nil if Total Payment Due Up to Rs. 100
Rs. 100 if total payment due is between Rs. 101 – Rs. 5,00
Rs. 350 if total payment due is between Rs. 501 – Rs. 1,000
Rs. 550 if total payment due is between Rs. 1001 – Rs. 10,000
Rs. 800 if total payment due is between Rs. 10,001 – Rs. 25,000
Rs. 1100 if total payment due is between Rs. 25,001 – Rs. 50,000
Rs. 1300 if total payment due is greater than Rs.50,000

Outstation Cheque Fee

–

Over Limit Fees

2.5% of the over limit amount (Min Rs. 500)

Payment (cheque/ECS/NACH/Auto Debit Reversal) Dishonor Fees

Rs.250

Payment of Customs duty

N/A

Priority Pass Lounge Charges

$27 per person per visit + taxes

Railway Tickets Surcharge

As prescribed by IRCTC / Indian Railways

1% waiver on railway surcharge for booking upto ₹ 5,000/- per quarter.

Rental Transaction Fee

1% per transaction

Reward Points Redemption Fee

Rs. 100

Any Other Charges

Balance Enquiry Charges on Non IndusInd Bank ATMs – Rs. 25

Terms & Conditions!

* Goods & Service Tax(GST) applicable on all fees, interest and other charges. All fees, charges, rewards, or any other terms can change at any time. Always read the Terms and Conditions on the Bank’s page.