Axis Bank SuperMoney RuPay Credit Card
- Updated On: 1 April, 2026
super.money by Flipkart is the newest player in the UPI payments space. It’s catchy, it’s bold, it looks great, and most importantly, it offers some of the best rewards on UPI payments in the form of direct cashback. That alone made the platform a strong contender in the market with veteran giants like Google Pay and PhonePe. But super.money didn’t stop there. It took things a step further by launching its co-branded credit card in partnership with Utkarsh Bank. While rewarding, the superCard Credit Card was primarily targeted at users looking to build their credit profile, as it was a secured credit card. Then super.money launched its second co-branded credit card in collaboration with Axis Bank.
The Axis super.money RuPay Credit Card offers 3% cashback on QR payments made with the super.money platform. This is quite high, as no other credit card offering offers such high rewards for UPI payments.
Axis Bank SuperMoney RuPay Credit Card
( 4.6 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
3% Cashback for UPI Spends Via super.money UPI and 1% Cashback on All Other Qualifying Spends
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
3% Cashback for UPI Spends Via super.money UPI and 1% Cashback on All Other Qualifying Spends
Reward Redemption
Cashback is Credited Against Statement at a 1:1 Ratio
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.5%
Interest Rates
55.55% Per Annum
Fuel Surcharge Waiver
1% Waiver for Fuel Transactions Between ₹400 and ₹4,000. Maximum Waiver of ₹400 Each Statement Cycle
Cash Advance Charges
2.5% or ₹500, Whichever is Higher
Product Details
- Axis Bank super.money RuPay Credit Card is a dedicated card for UPI rewards.
- This is a co-branded credit card between Axis Bank and super.money, which is a Flipkart backed company.
- Cardholders will earn 3% cashback on UPI spends and 1% cashback on all other non-UPI online transactions, as well as physical card spends.
- A free physical card is provided.
Pros/Cons
Pros
- The Axis super.money Credit Card is a lifetime free offering.
- 1% cashback on all non-UPI spending made with the card.
Cons
- There are no lounge access or travel benefits offered with this card.
- Cashback on super.money UPI spends is restricted and depends on how much cashback you earn from other UPI and non-UPI transactions.
3% Cashback on UPI Spends
The Axis SuperMoney Credit Card is a great offering to earn cashback on UPI spends via the super.money platform. This credit card offers one of the highest reward rates on UPI payments in India, making it an excellent choice for those who frequently rely on digital payments through their phone.
- The earlier ₹500 monthly cashback limit has been removed as of 1st January 2026, which means you can now earn more cashback overall.
- You will earn 1% unlimited cashback on all eligible UPI (except super.money app) and non-UPI card spends.
- 3% cashback on UPI payments made via the super.money app is still available, but it now comes with a condition. The cashback earned through super.money UPI payments cannot be more than the cashback you earn from all other UPI and non-UPI spends in the same month.
- If your cashback from regular UPI and non-UPI spends is less than ₹100, then the cashback from super.money UPI payments will be capped at ₹100, even if your spends are higher.
- Any transaction of less than ₹100 will not earn cashback, regardless of the payment mode.
Exclusions
The following MCC categories are excluded from cashback earnings.
- Repayments
- Fuel
- Jewelry
- Cash Withdrawal
- Wallet Load
- Insurance
- Education
- Government Services
- Rent
- EMI Transactions
- Purchases Converted to EMI Post Facto
Lifetime Free Offering
This card comes with no joining fee or annual charges, making it completely free to own. Anyone can apply for it and start using it right away, while also enjoying high cashback benefits on UPI spends. Being a lifetime free offering, the Axis super.money Credit Card is the go-to choice for those who do not want to be bothered with annual charges and high joining fees while enjoying the benefit of cashback!
Fuel Surcharge Waiver
Get a 1% waiver on fuel surcharge for transactions made at fuel stations across India. This benefit is applicable only on fuel transactions between ₹400 and ₹4,000, with a maximum waiver of ₹400 per statement cycle.
Bottom Line
The card is primarily focused on UPI-based rewards; it provides a 1% cashback for non-UPI spends and a fuel surcharge waiver, which is quite useful for all. It is best described as a dedicated UPI rewards card. However, one can use this card for exclusive RuPay offers, which can be quite useful.
Another welcome change with this Axis Bank variant is that users receive the physical card for free, unlike the earlier super.money co-branded card with Utkarsh Bank, which required a fixed deposit of ₹5,000 or more to get a physical card issued.
FAQs:
What are the annual charges of the Axis Bank super.money RuPay Credit Card?
The Axis super.money Credit Card has no joining or annual charges. It is a lifetime free offering.
Can I use the Axis Bank super.money RuPay Credit Card on any UPI app?
No. The 3% cashback benefit is applicable only on UPI transactions made via the super.money app. Payments made through other UPI apps will not qualify for the higher cashback rate.
When is the cashback credited to my account?
The cashback earned in a billing cycle is credited in the next billing cycle, three days before the statement generation date.
Does the Axis super.money RuPay Credit Card provide airport lounge access or travel benefits?
No. This card is focused solely on UPI cashback rewards and does not provide any travel, lounge, or lifestyle benefits.
3 comments
Akhilesh
I love how easy it is to get cashback with this card. The rewards are credited directly, so I don’t have to wait or do anything extra.
Anonymous
le lo but rona mat bad mai
Shekhar Kar
I want to take this card