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| Feature | Axis Bank Axis Bank super.money RuPay Credit Card | SBM Bank India SBM Bank ZET Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | SBM Bank India |
| Network | RuPay | RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 1% | 0% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 2.5% |
| Monthly income requirement | Approx. ₹20,000/month | Fixed-deposit backed |
| Terms verified | 21 Sept 2026 | 24 Sept 2026 |
| Best suited to | super.money app users who want a lifetime-free RuPay credit card for UPI. | New-to-credit users willing to place a small fixed deposit and route merchant UPI payments through ZET. |
| Main trade-off | The issuer itself flags this card’s cashback rates and caps as still settling: the figures modelled here are conservative placeholders. Re-check the latest T&C before counting on a specific %. | The 2% cashback is not free or card-wide: this catalogue proposition includes the ₹3/day ZET Plus cost and requires an eligible merchant UPI payment through ZET. Ordinary card spend has no assigned reward. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
