IndusInd Bank · Entry
Samman RuPay Credit Card
Where it ranks across all 187 cards
#25 EMI
1.0%
direct
#26 Wallet load
1.0%
direct
#34 Insurance
1.0%
direct
#34 Education
1.0%
direct
#43 Utility bills
1.0%
direct
#57 Jewellery & watches
1.0%
direct
#65 Gaming
1.0%
direct
#70 Mobile / broadband
1.0%
direct
#81 Cabs & transit
1.0%
direct
#85 Other
1.0%
direct
#86 Health & pharmacy
1.0%
direct
#89 Electronics
1.0%
direct
#95 Hotels
1.0%
direct
#96 Flights
1.0%
direct
#98 Online shopping
1.0%
direct
#99 Food delivery
1.0%
direct
#99 Fashion
1.0%
direct
#100 Movies & events
1.0%
direct
#101 Groceries
1.0%
direct
#107 Dining out
1.0%
direct
#27 Government / tax
0.1%
direct
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Reward rules2 direct
Base rate - everything not covered below
0.00%base rate
0% cashback
source
Source: Samman Credit Card - indusind.bank.in - read 30 Sep 2026
1% cashback on retail spends
1.00%this rule
1% cashback
source
Source: IndusInd Samman Benefit Guide - indusind.bank.in - read 1 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Fuel, Train tickets · IRCTC (train tickets)
earns nothing
No cashback on fuel and railway transactions.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel, Train tickets · merchants: IRCTC (train tickets)
Source: IndusInd Samman Benefit Guide - indusind.bank.in - read 1 Oct 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.