IndusInd Samman Rupay Credit Card

IndusInd Platinum RuPay Credit Card is available on the RuPay network. This RuPay credit card is a reward-focused credit card that offers value across all transactions in the form of reward points. You can enjoy the benefits of a credit card along with the convenience of UPI, with the IndusInd Platinum RuPay credit card. You can link your credit card seamlessly across all UPI apps, including BHIM, Google Pay, PhonePe, and others. This UPI-linked credit card offers additional benefits, including fuel surcharge waivers, travel insurance, and fraud protection coverage.

Key Highlights of IndusInd Samman RuPay Credit Card

• With a UPI-enabled credit card, you can link the card to UPI apps like BHIM/PhonePe/Google Pay and use it for QR/UPI payments.
• Flat 1% cashback on all retail spending (up to ₹20,000 per statement cycle), with maximum cashback being ₹200 per cycle.
• Complimentary movie ticket benefit: one free ticket up to ₹200 every six months via BookMyShow.
• Fuel surcharge waiver: 1% waiver on petrol transactions of ₹400 and ₹4000.
• Railway surcharge waiver: 1% waiver on bookings via IRCTC up to a specified amount.
• Complimentary travel insurance cover: e.g., cover for lost baggage, delayed baggage, passport loss, etc.
• No joining fee and a modest annual fee, which can be waived under specific spending criteria, making it a cost-effective option.
• The credit card operates on the RuPay network, which enables linking to UPI and may provide broader payment convenience in India.

Features and Benefits of the IndusInd Samman RuPay Credit Card

• Cashback on Retail Spending

The card offers 1% cashback on eligible retail purchases, making it useful for routine shopping and everyday expenses. Cashback is subject to the applicable statement-cycle limit, eligible transaction categories and the card's terms and conditions.

• Movie Ticket Benefit

Cardholders can avail of a complimentary movie ticket through BookMyShow, subject to the applicable ticket value, frequency and offer terms. This benefit can be useful for customers who regularly book movie tickets online.

• Fuel Surcharge Waiver

Eligible fuel transactions can qualify for a 1% fuel surcharge waiver, subject to the applicable transaction amount and periodic limits. The waiver can help reduce the additional surcharge on qualifying fuel purchases.

• Railway Surcharge Waiver

The card offers a railway surcharge waiver on eligible IRCTC transactions, subject to the applicable transaction and annual limits. This can provide additional savings for customers who frequently book train tickets through IRCTC.

• Travel Insurance

The card offers applicable travel insurance benefits, subject to the coverage limits, exclusions and conditions specified by the issuer and insurer. Cardholders should review the policy terms to understand the extent of coverage.

• UPI Payments

As a RuPay credit card, the card can be linked to supported UPI applications for eligible merchant payments. Cardholders can use the linked credit card for supported UPI transactions, including QR-code payments.

IndusInd Samman RuPay Credit Card Eligibility Criteria

• The cardholder's occupation should be that of a government employee.
• The age of applicants must be between 21 and 60 years, to ensure that they are legally eligible and can manage the credit card account.
• Applicants must provide documentation of their income, such as paychecks, earnings from self-employment, or any other source of income.

Documents Required

• Aadhaar card, voter ID, passport, or any other government-issued document as proof of identity.
• Address proof, such as utility bills, rental agreements, or other documents, to verify your residential address.
• Salary slips, IT returns, or bank statements as proof of income.
• Your recent passport-size photo.

Samman RuPay Credit Card Fees and Charges

How to Apply for IndusInd Samman RuPay Credit Card

Eligible applicants can apply through the applicable IndusInd Bank application channel. The general process involves:

1. Visit the official IndusInd Bank website or an eligible bank branch.
2. Select the Samman RuPay Credit Card and start the application process.
3. Enter the required personal, employment and contact details.
4. Submit the requested KYC and income-related documents.
5. Allow the bank to verify the application and assess your eligibility.
6. Once approved, the card will be issued and delivered according to the bank's applicable process.

Approval and card delivery timelines may vary depending on verification and other factors.

How to Link IndusInd Samman RuPay Credit Card with UPI

Preferred UPI apps such as BHIM, PhonePe, or Paytm work with a credit card, just like Google Pay or other apps that support credit card linking. Follow this procedure to connect your credit card:

• Open a supported UPI application.
• Look for the option to add or link a credit card.
• Select IndusInd Bank as the card issuer, where available.
• Choose the eligible Samman RuPay Credit Card.
• Complete the required card verification and authentication steps.
• Set or confirm the UPI PIN as instructed by the application.
• Once the linking process is complete, use the card for eligible UPI merchant payments.

UPI transactions using a credit card may be subject to restrictions. For example, credit cards linked to UPI are generally intended for eligible merchant payments rather than person-to-person fund transfers.

FAQs

Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Given that this type of data may change over time, we cannot guarantee the accuracy of the information supplied or included within it. It is anticipated that the user will confirm with the relevant source before making any choices or taking any actions.