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Utkarsh Small Finance Bank superCard Credit Card

superCard by super.money (a Flipkart Company) is one of the most popular, rewarding, and innovative credit cards in India. This secured credit card has been launched in association with Utkarsh Small Finance Bank. It is a lifetime free credit card, i.e, no joining or annual charges, offering great cashback up to 5% at multiple online brands and platforms such as Flipkart, Myntra, and Cleartrip. This card rewards all eligible spends with 1% cashback. Since the superCard is available on the RuPay network, it can be used to make UPI spends.

The minimum amount required for a fixed deposit with the SuperCard is just ₹100, making it accessible for everyone. Those who want to begin their credit journey or improve their credit score and are interested in applying for a secured card should definitely consider the superCard. Within just a year, the superCard, has already attracted over 300,000 users, making it the fastest-growing and largest co-branded secured credit card in India.

Utkarsh Small Finance Bank superCard Credit Card

( 4.5 / 5 )
superCard Credit Card
  • Joining FeeLifetime Free
  • Annual FeeLifetime Free
  • Best Suited ForUPI
  • Reward TypeCashback

Rewards Rate

5% Cashback at Myntra, 3% Cashback on Cleartrip, and 2% Cashback on Flipkart. 1% Cashback on All UPI and Non-UPI Transactions

Welcome Benefits

None

Movie & Dining

N/A

Rewards Rate

5% Cashback at Myntra, 3% Cashback on Cleartrip, and 2% Cashback on Flipkart. 1% Cashback on All UPI and Non-UPI Transactions

Reward Redemption

Cashback on the super.money App, Which Can Be Directly Credited to Your Bank Account

Travel

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

N/A

  • Spend-Based Waiver

    N/A

    Rewards Redemption Fee

    N/A

    Foreign Currency Markup

    3.5%

    Interest Rates

    Up to 3% Monthly (36% Annually)

    Fuel Surcharge Waiver

    N/A

    Cash Advance Charges

    5% or ₹25, Whichever is Higher

    • This is an FD-backed credit card. Users shall get an instant credit card with 100% approval on making a Fixed Deposit.
    • This card has been launched by super.money and Utkarsh Small Finance Bank.
    • The superCard comes without any joining or annual charges. It is available as lifetime free.
    • With superCard, users receive a flat 1% cashback on all UPI and non-UPI transactions. Additionally, they can earn exclusive cashback on Myntra (5%), Cleartrip (3%), and other purchases (2%) that are non-UPI.

    Pros

    • 1% cashback on all UPI and Non-UPI spends.
    • Earn 6.5% interest on the FD amount.
    • 5%, 3%, & 2% cashback on non-UPI spends on Myntra, Cleartrip & Flipkart respectively.
    • This is a great secured credit card for beginners  (in our opinion). Students, freshers, or youngsters in general can opt for this card by simply creating a fixed deposit of a minimum of ₹100. This amount is quite low when compared to secured credit cards offered by other issuers.

    Cons

    • Cashback across all partner platforms like Myntra, Flipkart, and Cleartrip is capped at just ₹500 for each statement cycle.

  • Cashback With superCard

    • 5% Cashback on non-UPI spends at Myntra (online, web, or app), with a maximum cashback of ₹150 per statement month.
    • 3% Cashback on non-UPI spends at Cleartrip (online, web, or app), with a maximum cashback of ₹150 per statement month.
    • 2% Cashback on non-UPI spends at Flipkart (web or app), with a maximum cashback of ₹200 per statement month and ₹100 per transaction.
    • 1% cashback on all UPI and non-UPI credit card transactions, limited to a maximum of ₹500 for UPI transactions and ₹10,000 for non-UPI transactions.
    • Please note that the total cashback across all ‘Preferred Merchants’ is limited to ₹500 per statement month.

    Cashback will not be awarded for the following types of transactions: 

    • Government-related transactions
    • Agriculture and contractor services
    • Rent payments
    • Wallet loads, gift or prepaid card loads, and voucher purchases
    • Purchases of gold and jewelry
    • Insurance, post office transactions, and transit services
    • Education
    • Fuel
    • Cash advances
    • All types of EMI transactions

    Eligibility for superCard

    To qualify for the superCard Credit Card, users must create a digital fixed deposit using the super.money app and complete the KYC process. Once these steps are done, they will receive their virtual superCard instantly.

    Minimum Age  18 Years
    Credit Limit
    • Minimum Fixed Deposit Amount ₹90
    • Maximum Fixed Deposit Amount ₹9 Lakh

    Cardholders shall receive 90% credit limit of the fixed deposit amount 

    superCard Review

    The superCard Credit Card is an excellent option for those looking for a straightforward credit card. To obtain the card, one can create a fixed deposit for as low as ₹100 and earn up to 6.5% interest, along with receiving a virtual credit card. When it comes to the minimum fixed deposit amount, the superCard is quite flexible. In case users want a physical card, they shall have to either pay a small fee of ₹249 or create a fixed deposit of at least ₹10,000.

    Utkarsh Bank superCard Credit Card

    The superCard is a minimalist credit card that is easy to understand. It offers basic cashback features and has conditions linked to fixed deposits. It is a great alternative for college students who want to start building their CIBIL score or for those who may have encountered issues with their credit in the past. For those looking to get their first credit card, build their credit score, or simply enjoy a no-frills card with assured cashback, the superCard is a solid choice. In our view, this is a card every user should consider having in their wallet. It offers assured 6% returns along with attractive cashback on top merchants, making it a reliable backup once the monthly cashback limits on popular cards like the Axis SuperMoney Card or Swiggy HDFC Card are exhausted.

    You can apply for the superCard within minutes and receive your virtual card just as quickly through the super.money app.

    FAQs:

    The superCard is a secured credit card that is offered against a fixed deposit. Launched by super.money in partnership with Utkarsh Small Finance Bank, this card provides up to 5% cashback on popular online platforms such as Myntra, Flipkart, and Cleartrip.

    In case of theft, loss, or any other grievances, customers can contact superCard Credit Card customer support by calling at 1800-309-7986 or mailing at supercard@utkarsh.bank.

    Those who wish to opt for the superCard Credit Card would need to have a fixed deposit of at least ₹100.

    A fixed deposit is needed for the superCard Credit Card, which offers an interest of 6.5% each year.

    If the fixed deposit amount is less than ₹10,000, then users would need to pay ₹249 to obtain a physical superCard credit card.

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