Axis Bank super.money RuPay Credit Card
Axis Bank · RuPay · Entry card
A lifetime-free RuPay credit card for UPI if you already use super.money for payments.
super.money app users who want a lifetime-free RuPay credit card for UPI.
Terms checked 21 Sept 2026
- Annual fee
- Lifetime free
- Joining fee
- ₹0
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Offline store shopping | 1% |
| Online shopping | 1% |
| Groceries & essentials | 1% |
| Dining & delivery | 1% |
| Travel & hotels | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| International spending | 1% |
| Healthcare & pharmacy | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| Subscriptions & streaming | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
| Education & family | 0% |
| Gold & jewellery | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- Not needed
- Monthly income requirement
- Approx. ₹20,000/month
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
super.money UPI cashback
Usage-based value3% requires an eligible QR credit-card UPI transaction through the super.money app of at least ₹100.
Conditions: 3% requires an eligible QR credit-card UPI transaction through the super.money app of at least ₹100.
Other eligible cashback
Usage-based value1% applies to other eligible UPI and non-UPI purchases of at least ₹100.
Conditions: 1% applies to other eligible UPI and non-UPI purchases of at least ₹100.
3% cashback on eligible credit-card UPI QR transactions through the super.money app
Shown without a cash value1% cashback on other eligible UPI and card purchases
Shown without a cash valueThe 3% pool is capped at the larger of ₹100 or cashback earned by the 1% pool in the statement cycle
Shown without a cash value
Fees · 1 item
Lifetime-free annual fee
Recorded value ₹-0No annual card fee is recorded under the currently reviewed terms.
Fuel benefits · 2 items
1% fuel surcharge waiver on eligible ₹400-₹4,000 transactions, capped at ₹400 per statement cycle
Shown without a cash valueLifetime-free with a capped 1% fuel surcharge waiver
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. No universal numeric threshold is used from the reviewed terms.
Other categories (13)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Welcome benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ 3% cashback on eligible credit-card UPI QR transactions through the super.money app
- ✓ 1% cashback on other eligible UPI and card purchases
- ✓ The 3% pool is capped at the larger of ₹100 or cashback earned by the 1% pool in the statement cycle
- ✓ Lifetime-free with a capped 1% fuel surcharge waiver
What to watch
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 %.
Recorded exclusions
Repayments · Fuel Commute · Gold Jewellery · Cash withdrawal · Wallet load · Insurance · Education Family · Government payments · Rent · Emi · Bills Utilities · Subscriptions
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 21 Sept 2026