IndusInd Bank Samman
IndusInd Bank · Checked 2026-10-09
IndusInd Bank Samman is a paid card focused on straightforward cashback and shopping rewards, charging ₹199 annually before GST.
CardIQ editorial view
Our take
IndusInd Bank Samman is a paid card focused on straightforward cashback and shopping rewards, charging ₹199 annually before GST.
Who it suits
- People who prioritise straightforward cashback.
- People who prioritise shopping rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 1% cashback on eligible retail purchases.
- Renewal fee waived at ₹75,000 eligible spend in the previous anniversary year.
Trade-offs to understand
- Cashback capped at ₹200 per statement cycle.
- Renewal fee waived at ₹75,000 eligible spend in the previous anniversary year.
- The ₹199 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 1% cashback on eligible retail purchases valuable enough to clear the fee. Factor in this condition: Cashback capped at ₹200 per statement cycle.
Compare before deciding
- AU Altura — A similarly priced alternative for comparing shopping rewards and straightforward cashback.
- Snapdeal BOBCARD — A higher-fee option to compare for broader benefits around shopping rewards and straightforward cashback.
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Benefits, limits and conditions
- Cashback capped at ₹200 per statement cycle.
- Renewal fee waived at ₹75,000 eligible spend in the previous anniversary year.