IndusInd Samman RuPay cashback rate, cap and annual fee
IndusInd Samman RuPay pays 1% on everything, as a base rate — on the first INR 20,000 you spend on it each month, which is where the INR 200 cap stops it.
IndusInd Bank · India · catalogue v101
Read from IndusInd Bank's own published terms on 20 Sep 2026.
1%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| everything else | 1.00% | INR 200reached at INR 20,000 of spendAll retail spending, up to ₹200 of cashback a statement cycle. |
| fuel | None | —Fuel earns no cashback. The 1% surcharge waiver is separate. |
Built for government employees, and the simplest card in this market: 1% back on retail spending, ₹200 a statement cycle, which it reaches at ₹20,000. Past that it pays nothing, and IndusInd prints the table that says so. A RuPay card, so it links to UPI. One cinema ticket worth up to ₹200 every six months, and a fuel surcharge waiver. IndusInd publishes no fee for this card where it could be read. Source: indusind.bank.in card page, checked 20 Sep 2026.
Questions people ask
What cashback does the IndusInd Samman RuPay pay?
1% on everything, as a base rate. The top rate is capped at INR 200 a month.
Is there a cap on the IndusInd Samman RuPay?
Yes — INR 200 a month on each rate separately, not INR 200 across the card.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
Download on the App Store