Axis Bank SuperMoney RuPay Credit Card
Fees
Lifetime Free
Joining & annual
1st year freeReward Rate
3% cashback on UPI QR transactions via the super.money app (capped at the total cashback earned from other UPI and non-UPI spends in the same statement cycle); 1% unlimited cashback on all other eligible UPI and non-UPI purchases; no cashback on spends below ₹100
Welcome Bonus
N/A
Lounge
No Lounge Access
Our Expert Take
The Axis Bank SuperMoney RuPay Credit Card is a lifetime-free UPI cashback card offering 3% on QR payments via the super.money app and 1% unlimited on other UPI and non-UPI spends, with the 3% rate capped by how much you earn elsewhere in the same billing cycle.
Reward limits
Checked 27 Sep 2026 · Bank terms
-
3% on UPI QR payments in the super.money app
Equal to the cashback you earn on other spends per statement cycle
-
1% on other UPI and card spends (₹100 and above)
No limit
No rewards on: Spends under ₹100, utilities, telecom, fuel, rent, wallet loads, gift cards, jewellery, insurance, education, government, tolls, cash, EMI
Pros & Cons
Key Advantages
- 3% cashback on UPI QR payments made through the super.money app
- 1% unlimited cashback on all other UPI and non-UPI spends
- Genuinely lifetime free, zero joining and annual fees
- 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Limitations
- The 3% super.money cashback is capped at whatever you separately earned from other UPI/non-UPI spends that cycle, so it isn't a flat uncapped 3% in practice
- Cashback is credited a full billing cycle late, 3 days before the following statement, not immediately after the purchase
- No cashback at all on spends under ₹100, and a long exclusion list covers fuel, rent, utilities, insurance, EMI transactions, telecom, gift cards and tolls
- Existing Axis Bank credit cardholders can only get this card if they already hold the Flipkart Axis Bank Credit Card
Key Perks & Spending Milestones
3% cashback on QR/UPI transactions made through the super.money app
1% unlimited cashback on all other eligible UPI (non-super.money) and non-UPI purchases
3% super.money cashback capped at the total cashback earned from other UPI and non-UPI spends in the same statement cycle
Uncredited cashback above the cap carries forward as a surplus for up to 2 statement cycles
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle
No cashback on spends below ₹100, or on fuel, rent, utilities, insurance, EMI transactions, telecom, gift cards, tolls, education, government services and cash withdrawals
Genuinely lifetime free, zero joining and annual fees
Fees & Charges
Joining fee
Lifetime Free
Annual fee
Lifetime Free 1st year free
Interest rate
Refer to Axis Bank's Most Important Terms & Conditions
Eligibility Criteria
Frequently Asked Questions
What's the cashback rate on the Axis Bank SuperMoney RuPay Credit Card?
Is the 3% super.money cashback rate actually uncapped?
When is the cashback actually credited?
Can any Axis Bank customer apply for this card?
Does this card have an annual fee?
Compare Axis Bank SuperMoney RuPay Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Axis Bank SuperMoney RuPay Credit Card This Card | Lifetime Free | 3% cashback on UPI QR transactions via the super.money app (capped... | No Lounge Access | 4.0/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |