The 3% cashback rate on UPI transactions is one of the highest available in the market today as most other RuPay credit cards only offer around 2% value-back on UPI spends. For instance, IndusInd Platinum RuPay offers up to 2% savings depending on the redemption option you choose, while AU ixigo Rupay card comes with up to 2.5% savings on your spends. However, this 3% cashback is limited to UPI spends made through super.money app only, and not available on any other UPI app. Moreover, the monthly cashback capping would also be restrictive for those who wish to put most of their monthly purchases on this card.
Axis Bank
Axis Bank SUPERMONEY RuPay Credit Card
Cashback
Cashback
Up to 3% cashback on card spends
Lifetime Free
No joining or annual fee charged
Fuel Benefit
1% surcharge waiver of up to Rs. 400 a month
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About Axis Bank SUPERMONEY RuPay Credit Card
SUPERMONEY Credit Card is a co-branded card offered by Axis Bank in association with super.money by Flipkart. It is a lifetime-free RuPay credit card that offers direct cashback on your spends and also lets you make UPI transactions. Cardholders can earn accelerated cashback of 3% on UPI payments made on the co-branded platform, i.e. super.money app. This value-back rate is among the highest ones offered on UPI spends and is accompanied by a base rate of 1% cashback on all other spends. Card users can also avail fuel surcharge waiver on their fuel purchases across India.
This Axis Bank Credit Card would be suitable for the customers who favour UPI as their preferred mode of payment as it offers higher savings on such transactions. Those who are new to credit cards can also opt for this entry-level card as the earned cashback is directly credited to their account, thus eliminating the process of reward point redemption and making the value-back process simpler.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit Axis Bank website.
Features & Benefits
Cashback Earnings
- 3% Cashback: On QR transactions made on super.money app/platform
- 1% Cashback: On all other eligible card spends1
- Capping: Total cashback earnings are capped at Rs. 500 for every month
Fuel Benefit
- 1% fuel surcharge waiver of up to Rs. 400 per month on fuel spends worth Rs. 400 to Rs. 4,000 made across India
Axis SUPERMONEY Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Nil | ||||||||||
| Finance Charges | 3.75% per month (55.55% per annum) | ||||||||||
| Late Payments Fees |
|
Things to Know Before you apply
Get This Card If:
You are looking for an entry-level card that does not charge any annual fee
You prefer earning cashback on your credit card spends, instead of reward points
UPI is your favoured mode of payment due to which you want a Rupay credit card
You do not have any preference regarding UPI apps and can maximise your value-back by using the super.money app
Similar Cards:
YES Paisabazaar PaisaSave Credit Card
IndusInd Platinum RuPay Credit Card
Amazon Pay ICICI Credit Card
Swiggy HDFC Bank Credit Card
Paisabazaar Review
What do we like about this card?
Axis Bank SUPERMONEY RuPay Credit Card offers up to 3% cashback on UPI spends which is one of the highest value-back rates on UPI transactions. All other spends accrue a value-back of 1%. This card ensures hassle-free management since the earned cashback is directly credited to the credit card account. As a lifetime free credit card, it allows the cardholders to maximise their savings without paying any annual charges.
Pros
- Up to 3% cashback on UPI transactions
- No card joining or annual fee
- No hassle of rewards redemption as cashback is directly credited to the account
Cons
- Capping on monthly cashback earnings
- No additional lifestyle benefits are offered apart from cashback
Frequently Asked Questions
Everything you need to know about this credit card
Yes, Axis Bank SUPERMONEY card can be linked to any UPI app of your choice like all other RuPay credit cards.
Axis Bank SUPERMONEY RuPay Credit Card offers 3% cashback only on UPI transactions made through super.money app. UPI payments made using all other UPI apps will only earn 1% cashback.
Yes, you can only earn cashback worth up to Rs. 500 every month through Axis SUPER MONEY Credit Card.
No, you do not have to pay any fee to create your account on super.money or to use the app to make your payments.
Footnotes
- Spends made on fuel, rent, insurance, jewellery, repayments, cash withdrawal, wallet load, education, government services, EMIs, and purchases converted to EMI post facto are not eligible for cashback benefits.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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