IndusInd Bank Samman Credit Card
IndusInd Bank
Restricted to government employees — reachable via the quiz's Defence/Government/Paramilitary answer, not excluded from matching.
Free
Joining fee
₹199, waived at ₹75k spend
Annual fee
Annual fee waived if spending reaches ₹75,000 or more in the anniversary year (BankBazaar; Paisabazaar's fetch didn't mention this condition).
3.5%
Forex markup
3.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–60
Exclusively for government employees (central/state/PSU) — officially confirmed via the bank's own page metadata; no employer partnership needed per BankBazaar.
Serviceable only in specific cities per Paisabazaar (full list in a linked PDF, not independently verified)
Sources disagree: Forex markup: Paisabazaar says not mentioned, BankBazaar says 3.5% — treated as unconfirmed aggregator information.
Lounge access
0 domestic / 0 international visits per year
Key features
- 1% cashback on all/retail spends, capped ~₹200/month
- 1% railway/IRCTC booking surcharge waiver (a transaction-fee waiver, not lounge access)
- 1 free movie ticket every 6 months via BookMyShow
Reward details
1% cashback on all/retail spends
Redemption
Cashback auto-credited; no separate redemption fee mentioned for the cashback structure.
Caps: ₹200/month effective cap
- 1% railway/IRCTC booking surcharge waiver — on quarterly bookings of ₹5,000+ (Paisabazaar) or capped at ₹5,000/year (BankBazaar). This is a transaction surcharge waiver, explicitly NOT lounge access.
- 1 movie ticket worth up to ₹200 every 6 months via BookMyShow.
- 1% fuel surcharge waiver, transaction-value band disputed between sources (both agree the rate is 1%).
- Travel insurance covering lost/delayed baggage, lost passport, missed flights.
Real-world feedback
Not found — neither aggregator source contained customer reviews.
Sources
- Official — confirms government-employee restriction via meta description
- Aggregator — fees, eligibility, rewards
- Aggregator — fees, waiver condition, eligibility