- Joining fee
Nil
- Annual fee
Rs. 199
- Best suited for
Shopping
- Reward type
Cashback
Rewards
- Rewards rate
1% Cashback on Spends of Rs. 20,000 in a Statement Cycle (Max Rs. 200)
Benefits
- Movie & dining
One Free Movie Ticket Every Six Months
- Travel
1% Surcharge Waiver on Railway Transactions
- Domestic lounge
RuPay Exclusive Lounge Access at DEL T3 Terminal (Once Each Month)
- Insurance
Travel Insurance
Fees & charges
- Spend-based waiver
On Spends of Rs. 75,000 in a Year
- Foreign currency markup
3.5%
- Interest rates
3.95% Monthly (47.40% Yearly)
- Fuel surcharge waiver
1% Fuel Surcharge on Transactions Between Rs. 400 to Rs. 4,000
- Cash advance charges
Nil
Product highlights
- You can earn 1% cashback each month.
- Earn two complimentary movie tickets each year.
- This card can be linked to UPI applications.
Pros & cons
Pros
- There are no charges for cash advances on this card, making it easy to withdraw cash.
- You would receive two free movie tickets in a year with this card.
Cons
- Overall, this card doesn’t provide many benefits. Even the cashback received is quite low at just Rs. 200 per month.
FAQs
Is this a lifetime-free credit card?
No, although the Samman RuPay Credit Card has zero joining fee, there is a renewal charge of Rs. 199.
Can I link the Samman Credit Card to UPI?
Yes, as the Samman Credit Card is on the RuPay network, it can be easily linked to UPI. You can make convenient payments through your mobile phone.