IndusInd Samman RuPay Credit Card 2025
Save more than ₹5,000 every year on daily UPI, shopping & movies – made for govt employees!
If you are a government employee & use UPI a lot, the IndusInd Samman RuPay Credit Card is the best card made for you in 2025!
You get 1% unlimited cashback on all retail spends including UPI, free movie ticket up to ₹250 every 6 months, 1% railway surcharge waiver, zero cash advance fee at ATMs, personal accident insurance & the card is 100% Lifetime Free – no joining or annual fee ever.
Cashback comes as real money – no points, no confusion.
Why This Is The Best Card for Govt Employees in 2025?
1% real cashback everywhere • Free movie every 6 months • Full RuPay UPI • 100% Lifetime Free • Railway waiver • Zero cash advance fee
Best for: Government employees, UPI users, families, daily shoppers
No Joining Fee, No Annual Fee Ever – Only for government employees
Card At a Glance
₹0 (LTF)
₹0 (Lifetime Free)
1% unlimited
Free ticket every 6 months
Full RuPay UPI
1% at railways
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil (Lifetime Free) |
| Cashback Credit | Direct statement credit |
| Forex Markup | 3.5% + GST |
| Interest Rate | 3.83% per month |
| Cash Advance Fee | Nil at IndusInd ATMs |
Detailed Cashback & Benefits (2025)
- 1% unlimited cashback on all retail spends including UPI
- Free movie ticket up to ₹250 every 6 months
- 1% surcharge waiver on railway bookings
- Zero cash advance fee at IndusInd ATMs
- Personal accident cover ₹5 Lakh
- No cashback on fuel, wallet load, rent
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 1% real cashback everywhere | Govt employees only |
| 100% Lifetime Free | No lounge access |
| Free movie every 6 months | 3.5% forex |
| Full RuPay UPI support | 1% cashback only |
| Zero cash advance fee |
Eligibility Criteria & Documents
- Government employee (Central/State/PSU)
- Age: 21–60 years
- Salary credited to IndusInd account
- Documents: PAN, Aadhaar, salary slip, govt ID
How to Apply (2-Minute Process)
- Click “Apply Now” button
- Enter mobile & PAN
- Upload govt employee proof
- Video KYC
- Card delivered in 5–7 days
Final Verdict – Should You Get It in 2025?
If you are a govt employee & use UPI daily, this card gives ₹4,000–₹6,000 real cashback + free movie yearly with zero fees. Best card made for sarkari babus!
Frequently Asked Questions (FAQs)
Who can apply?
Only Central/State/PSU government employees.
Cashback on UPI?
Yes, 1% on all UPI spends.
Free movie how?
One ticket up to ₹250 every 6 months on BookMyShow.