super.money

super.money RuPay Credit Card

•••• 6955RuPay

Lifetime freeUPI readyRuPay

super.money RuPay Credit Card

by Axis Bank · Updated October 2026

Lifetime free RuPay card with up to 3% cashback on UPI.

Best for UPI cashback · 3% on UPI

Apply now Compare

You'll apply on the official super.money page. We never ask for your details.

Joining feeFree

Annual feeFree

Fee waiverNot needed

Lounge accessNone

UPIYes (RuPay)

Key benefits

Up to 3% cashback on UPI via the super.money app

Unlimited 1% cashback on all other spends

Link to any UPI app

Lifetime free

Good to know

The 3% cashback is capped at the 1% cashback you earn in the same cycle (minimum ₹100). Transactions under ₹100 earn nothing.

Rewards by spend category

Approximate value back on every ₹100 you spend.

UPI scan & pay2%

Online shopping1%

Groceries1%

Food delivery & dining1%

Bills & recharges1%

Travel & flights1%

Everything else1%

Fuel–

Pros

One of the highest UPI cashback rates
Lifetime free
Unlimited 1% on everything else

Cons

3% is capped by what you earn at 1%
No cashback on transactions under ₹100
Best rate only inside the super.money app

Is the super.money RuPay Credit Card worth it?

The super.money RuPay Credit Card is worth it if you spend a lot on upi scan & pay (2%) and online shopping (1%). Since it's lifetime free, every rupee of reward is pure gain, so it's worth keeping even as a backup card. It's less suitable if 3% is capped by what you earn at 1%.

Featured in: Best Credit Cards in India · Best Lifetime Free Credit Cards in India · Best Credit Cards for UPI Payments (RuPay) · Best Cashback Credit Cards in India · Best First Credit Cards for Beginners

Compare: super.money RuPay vs Kiwi RuPay · super.money RuPay vs Tata Neu Infinity HDFC

Eligibility & documents

Age

21–60 years (salaried), up to 65 (self-employed)

Income

Regular income; the bank sets the minimum

Credit score

750+ gives the best approval chances

Documents

PAN, Aadhaar, and recent salary slips or ITR

How to apply

Tap "Apply now"You'll be taken to the official super.money application page.
Fill in your detailsPAN, income and address. Most applications take under 10 minutes.
Complete KYCVideo KYC or Aadhaar e-KYC, depending on the issuer.
Get your cardApproval usually takes 2–7 working days, and some cards are issued instantly.

Apply now

FAQs about super.money RuPay Credit Card

What is the annual fee of the super.money RuPay Credit Card?

The super.money RuPay Credit Card is lifetime free, with no joining or annual fee.

Can I use the super.money RuPay Credit Card on UPI?

Yes. The super.money RuPay Credit Card is available on RuPay, so you can link it to UPI apps like GPay, PhonePe and Paytm and pay at any merchant QR code.

Does the super.money RuPay Credit Card give airport lounge access?

No, the super.money RuPay Credit Card doesn't include complimentary lounge access.

Who should get the super.money RuPay Credit Card?

It's best for upi cashback. Lifetime free RuPay card with up to 3% cashback on UPI.