Axis Bank
Axis Bank super.money RuPay Credit Card
A lifetime free RuPay credit card from Axis Bank and super.money focused mainly on UPI cashback. It offers high cashback on QR Scan & Pay transactions done via the super.money app along with basic rewards and RuPay UPI support.
Highlights
Main benefits
- Lifetime free RuPay credit card
- 3% cashback on UPI via super.money
- 1% cashback on other spends
- Supports RuPay UPI linking
- Fuel surcharge waiver included
- Physical and virtual card available
- Cashback-focused beginner card
- Good for daily small payments
Fees
Fees and charges
Joining fee
Nil
Renewal fee
Nil
Annual fee waiver
Not applicable
Who can apply
Eligibility
- Indian resident
- Age generally 18+
- Subject to Axis Bank approval criteria
- Existing credit history may improve approval chances
- Available digitally through super.money platform
Checklist
Documents required
- PAN Card
- Aadhaar Card
- Aadhaar-linked mobile number
- Income proof if requested
- Basic KYC documents
Process
How to apply
1. Download the super.money app
2. Open credit card section
3. Verify mobile number and PAN
4. Complete KYC/video KYC
5. Submit application
6. After approval, virtual card is issued instantly and physical card is delivered later.
Value
Reward and cashback structure
Reward rate
3% cashback on UPI transactions via super.money app, 1% cashback on other eligible spends, Cashback capped at ₹500 per statement cycle.
Cashback
Cashback credited through super.money ecosystem/rewards, Higher rewards mainly available when paying through super.money app.
Good fit
Pros
- Excellent for frequent UPI users
- No joining or annual fee
- Easy digital onboarding
- Simple cashback structure
- Works on UPI QR payments
- Good beginner cashback card
- Fuel surcharge waiver included
Watchouts
Cons
- Cashback capped at ₹500 monthly
- Maximum rewards require super.money app usage
- No lounge or travel benefits
- Cashback exclusions on some MCC categories
- Foreign currency markup is high at 3.5%
- Some users reported app/reward tracking issues on Reddit
Related
Related cards
Compare
Compare Cards
| Field | Axis Bank super.money RuPay Credit Card | HDFC Diners Club Black METAL Credit Card |
|---|---|---|
| Bank/provider | Axis Bank | HDFC Bank |
| Joining fee | Nil | ₹10,000/- plus Applicable Taxes |
| Renewal fee | Nil | ₹10,000/- plus Applicable Taxes |
| Best for | UPI payments, Daily QR Scan & Pay spending, Cashback seekers, Beginners wanting a free RuPay card | Luxury travel, airport lounge access, and maximum reward points on high spending |
| Reward rate | 3% cashback on UPI transactions via super.money app, 1% cashback on other eligible spends, Cashback capped at ₹500 per statement cycle |
|
| Cashback | Cashback credited through super.money ecosystem/rewards, Higher rewards mainly available when paying through super.money app | Cashback redemption value: around ₹0.30 per point against statement balance |
| Lounge access | No Included airport lounge access | Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members |
| Fuel surcharge waiver | 1% fuel surcharge waiver, Applicable on fuel transactions between ₹400–₹4,000, Maximum waiver ₹400 per statement cycle | 1% waiver at fuel stations across India on transactions above ₹400, with a maximum waiver of ₹1,000 per statement cycle |
| Welcome benefit | Get ₹500 when referred through refpo on activation of Supermoney pro card | Annual memberships of Club Marriott, Amazon Prime and Swiggy One on 1.5 Lakh spends in first 90 days |
| Annual fee waiver condition | Not applicable | Spend ₹ 8 lakh in 12 Months and get Renewal Fee waived for next renewal year |
| Eligibility |
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| Apply link | Apply | Apply |