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1st Year Fee: ₹ 0
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
Author: Lepakshi Phogat
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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.

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.
| Particulars | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Nil | ||||||||||
| Finance Charges | 3.75% per month (55.55% per annum) | ||||||||||
| Late Payments Fees |
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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
Cashback3.0/5
Shopping3.0/5
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.
Everything you need to know about this credit card
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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.