About Super Money Credit Card
The Super Money Credit Card (also known as the Axis Bank SUPERMONEY RuPay Credit Card or SuperMoney RuPay Credit Card, co-branded with super.money by Flipkart) is a lifetime RuPay credit card designed for users who enjoy UPI payments and want simple cashback with no annual fees.
This card stands out for its emphasis on rewarding Scan & Pay UPI transactions made through the super.money app, making it an excellent choice for everyday digital spending in India.
Fees and Charges
- Joining Fee: Nil (Lifetime free)
- Annual Fee: Nil (Lifetime free)
- Annual Fee Waiver Spends: NA (No annual fee to begin with)
- Add-on Cards: NA
Welcome and Milestone Benefits
- Welcome Benefits: 100% cashback (up to ₹500) on the first UPI Transaction when registered using a referral code.
- Milestone Benefits: NA
Cashback and Rewards
- Card Type: RuPay Credit Card (Co-branded with Axis Bank and super.money)
- Card Network: RuPay
- Best For: UPI Scan & Pay transactions, everyday spends via the super.money app, fuel surcharge waiver
- Cashback/Rewards on Online Purchases: 1% on other eligible spends (online/offline non-UPI); higher on specific merchants via app
- Cashback/Rewards on Offline Purchases: 1% on eligible spends; 1% fuel surcharge waiver
- Maximum Cashback per Statement Cycle: ₹500 (total cap across all cashback)
- Rewards Redemption Options: Direct cashback credited to the statement (fast crediting, often before the next statement)
Lounge Access
- Domestic Lounge Access: NA
- International Lounge Access: NA
Category Spend Benefits
- Online Shopping: 1% (higher on select partners like Flipkart/Myntra via app in some variants)
- Food and Grocery: NA (standard 1% or UPI rate if via app)
- Travel Booking: NA (standard 1% or UPI rate if via app)
- UPI Payment (Scan & Pay): 3% on QR/Scan & Pay transactions via super.money app
- Fuel: 1% fuel surcharge waiver (on transactions ₹400–₹4,000, up to ₹400/month)
Excluded Categories
- All Excluded Categories: Fuel (for cashback, but surcharge waiver applies), rent, government payments, insurance, wallet loads, EMIs, education, mutual funds, purchases converted to EMI post-facto, and other standard exclusions like cash advances.
Why Choose Super Money Credit Card?
This card offers 3% cashback on UPI payments, including Scan & Pay via the super.money app, with a monthly cap of ₹500, making it a top choice for those who frequently use UPI payments. With a 1% base cashback on other purchases, a fuel surcharge waiver, and no fees forever, it's a no-brainer for low-maintenance users. Cashback is issued quickly (often before your statement), there is no redemption hassle, and it works for both digital and physical purchases. It's especially appealing to Flipkart ecosystem users and those looking to build credit without paying annual fees.
Who is eligible for the Super Money Credit Card?
Eligibility is based on standard Axis Bank criteria: Indian residency, good credit score/history, stable income, and passing internal creditworthiness checks. It's frequently invite-only or available through the super.money app. Salaried/self-employed individuals are typically eligible if they meet the bank's requirements (e.g., age 18 or older). Check the app's pre-approval or eligibility checker.
Is the Super Money Credit Card worth applying for?
Yes, especially if you make a lot of UPI Scan & Pay transactions and want a card that will last a lifetime and gives you good cashback on digital payments. The 3% on-app UPI is competitive, the ₹500 cap suits moderate spenders (maximum ~₹16,666 at 3%), and extras like fuel waiver add value. It lacks premium perks (no lounges, no high rewards in categories like dining/travel), so pass if you require them.
For entry-level or UPI-focused users, it's worth it for the simplicity and free rewards.