IndusInd Samman RuPay Credit Card

1. UPI-Enabled Credit Card : The Samman Credit Card is fully compatible with UPI platforms. It can be linked with BHIM, PhonePe, Paytm, Google Pay, and other major apps for seamless digital payments. 

1. 1% Cashback on Retail Spends:  All eligible retail purchases earn flat 1% cashback. Cashback is calculated monthly and credited in the following billing cycle. The maximum cashback is Rs. 200 per cycle. 

1. Complimentary BookMyShow Movie Tickets: The card offers 1 free movie ticket worth up to Rs. 200 every 6 months. A total of 2 free tickets are offered per calendar year via BookMyShow. 

1. Fuel Surcharge Waiver:  A 1% fuel surcharge waiver is available for fuel transactions between Rs. 400 and Rs. 4,000 at petrol pumps across India. 

1. Railway Booking Surcharge Waiver:  The card waives 1% IRCTC service charges on railway ticket bookings. This waiver applies to booking amounts up to Rs. 5,000 with a limit of Rs. 600 per year. 

1. Travel Insurance Coverage:  Cardholders receive complimentary insurance for air travel. This includes lost baggage, delayed baggage, lost passport, missed connections, and lost tickets. 

1. RuPay Network Support:  The card runs on the RuPay platform. It supports all RuPay-linked services, including domestic e-commerce and UPI payments. 

1. Tap-and-Pay Enabled:  The card supports contactless payments at compatible terminals, allowing faster checkout without swiping or entering a PIN for transactions within the allowed limit. 

Benefits of IndusInd Samman RuPay Credit Card 

The benefits of IndusInd Samman RuPay Credit Card are as follows:  

Digital Payments with Credit Flexibility 

Using the card via UPI apps allows credit-based spending in environments that traditionally accepted only bank-linked UPI. This expands the usefulness of credit to day-to-day payments. 

Monthly Cashback Reduces Routine Expenses 

Earning 1% cashback on everyday purchases brings down your actual spending. It offers a recurring reward on common expenses like groceries, fuel, and utilities. 

Entertainment at No Extra Cost 

The free movie ticket saves Rs. 400 a year on entertainment. It gives access to a wide choice of theatres and can be redeemed easily via the BookMyShow platform. 

Fuel Cost Savings Every Month 

With the surcharge waiver on fuel, your monthly petrol or diesel costs are slightly reduced. Over time, this adds up to a noticeable saving, especially for regular commuters. 

Reduced Cost of Rail Travel 

Frequent railway travellers benefit from surcharge waivers, making IRCTC bookings more affordable throughout the year. 

Extra Security While Travelling 

Travel insurance protects against financial losses during trips. You are covered in case of baggage loss, delays, passport misplacement, and missed connections, offering peace of mind. 

No Need to Carry Cash or Debit Cards 

UPI functionality means you can pay via QR codes or mobile numbers directly from your credit limit. This eliminates the need to carry multiple payment instruments. 

Faster Checkout Experience 

With tap-and-pay enabled, you can complete small transactions instantly. This saves time at petrol stations, cafes, and retail outlets. 

Accessible for Government Employees 

The card is tailored for government sector professionals. It is designed to provide meaningful value even without high-income requirements or excessive usage thresholds. 

Simple, Low-Maintenance Rewards Model

No complex points, tiers, or conversions. Benefits are clear, fixed, and automatically applied. It’s easy to track savings and understand your rewards. 

Pay with UPI Using Your IndusInd Bank Samman RuPay Credit Card 

You can now use your IndusInd Bank Samman RuPay Credit Card to make secure, convenient UPI payments. Whether you are shopping online or paying at your local store, you can use your credit card balance through any major UPI app. Linking your card is easy and takes only a few minutes. 

How to Link Your Samman RuPay Credit Card to a UPI App

Start by choosing your preferred UPI app. This could be BHIM, PhonePe, Paytm, Google Pay, or any other app that supports credit card linking. Once your app is ready, follow the steps below to connect your card. 

1. Open your UPI app  Use a trusted UPI application that you already have on your smartphone. If you do not have one installed, download it from the Play Store or App Store. 

1. Go to the credit card linking section  Find the option labelled 'Add Credit Card' or 'Link Credit Card'. This is usually located under payment settings or bank account settings. 

1. Select IndusInd Bank as your issuer  From the list of banks, choose IndusInd Bank to proceed with linking your Samman RuPay Credit Card. 

1. Choose your Samman RuPay Credit Card  The app will detect your eligible credit cards issued by IndusInd Bank. Select your Samman RuPay Credit Card from the list. 

1. Set up your UPI PIN  Follow the prompts to set your UPI PIN. This will allow you to make payments from your credit card balance using UPI. 

If you are new to UPI, install the app and register using your mobile number. After registration, continue from Step 2 to link your credit card. 

How to Set Your UPI PIN for Your Samman RuPay Credit Card

Setting your UPI PIN is an important step that makes your card ready for UPI transactions. The process is simple and takes just a few moments. 

1. Tap on ‘Generate PIN’  Within your UPI app, choose the option to generate a PIN and select your Samman RuPay Credit Card. 

1. Enter card details  You will be asked to enter the last 6 digits of your credit card and the expiry date. This helps verify your card. 

1. Enter OTP and choose a PIN  You will receive a one-time password (OTP) on your registered mobile number. After entering the OTP, set a 4-digit or 6-digit PIN of your choice. 

Once this process is complete, your card will be successfully linked to UPI and ready for use. 

How to Make UPI Payments Using Your Samman RuPay Credit Card

Now that your credit card is linked to your UPI app, you can begin making payments directly from your credit limit. Follow these simple steps every time you want to pay using UPI.  

1. Scan the QR code or enter the UPI ID  Open your UPI app and either scan the merchant’s QR code or manually enter their UPI ID. 

1. Enter the payment amount  Type the amount you wish to pay. If the amount is auto-filled by the merchant, you can proceed directly to the next step. 

1. Select your credit card as the payment method  From the list of linked accounts, choose your Samman RuPay Credit Card as the source of payment. 

1. Authorise the payment  Enter your UPI PIN to confirm the transaction. This adds an extra layer of security and ensures only you can approve payments. 

1. Check the transaction status  After the payment is completed, you can view the transaction details in the UPI app’s history section. This helps keep track of your spending in real time. 

Fees and Charges

The table below summarises the various fees and charges associated with IndusInd Samman RuPay Credit Card: 

Credit cards make payments easy for all expenses online and offline while offering various benefits

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