Lifetime Free UPI Cashback Card — 3% on super.money + 1% Everywhere
UPI-first spenders who want a zero-fee credit card for everyday QR code payments at kirana stores, local shops, and online merchants with automatic cashback.
Free
One-time upfrontFree
Lifetime Free — no renewal fee3% Cashback for UPI Spends Via super.money UPI and 1% Cashback on All Other Qualifying Spends
On eligible spends3.50% + GST
Cross-currency spendsLast verified 9 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Axis Bank SuperMoney RuPay Credit Card is purpose-built for the UPI generation — a cohort of consumers who have grown up making payments via QR codes at local shops, vegetable vendors, and kirana stores, and now want to convert those debit-account transactions into credit-facility spends with cashback rewards. The card delivers 3% direct cashback when transactions are routed through the super.money app's QR scanner, and 1% on all other UPI and standard card transactions, with cashback credited automatically as statement credits without any point redemption complexity. The lifetime-free fee structure (₹0 joining, ₹0 annual) makes this a zero-risk wallet addition for any consumer, regardless of spending volume. For a user making ₹15,000/month in UPI payments through super.money (groceries, vegetables, chai, auto-rickshaw fares), the 3% rate generates ₹450/month or ₹5,400/year in cashback from spending that would otherwise earn nothing on a traditional debit card. The 1% fuel surcharge waiver adds marginal monthly savings. The key structural limitation is the ₹500 monthly cashback cap, which limits maximum annual earning to ₹6,000. The 3% accelerated rate is exclusively available through the super.money app's QR scanner — using the same card via Google Pay, PhonePe, or Paytm earns only the 1% base rate. Transactions below ₹100 earn no cashback, and standard exclusions apply to fuel, rent, insurance, and wallet loads. Users with higher spending volumes or broader partner ecosystem needs would get more value from the Flipkart SBI or Axis ACE cards.
3% Cashback for UPI Spends Via super.money UPI and 1% Cashback on All Other Qualifying Spends
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| UPI Scan & Pay | Up to 5% instant cashback on UPI transactions via super.money app | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| UPI Scan & Pay | ₹30,000 | Up to 5% instant cashback on UPI transactions via super.money app | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹0 (Lifetime Free). • Annual Renewal Fee: ₹0 (Lifetime Free). • super.money App Cashback: 3% cashback on eligible QR code transactions via super.money app. • All Other Spends: 1% cashback on all UPI and standard card transactions. • Monthly Cap: Total cashback capped at ₹500 per statement cycle. • Minimum Transaction: Cashback not applicable on transactions below ₹100. • Fuel Surcharge Waiver: 1% waiver on fuel transactions ₹400–₹4,000 (max ₹400 per cycle). • Exclusions: Fuel, rent, insurance, government, education, wallet loads, cash advances, EMI do not earn cashback. • Network: RuPay — linkable to UPI apps (Google Pay, PhonePe, Paytm, BHIM, super.money). • Foreign Currency Markup: 3.50% + GST on international transactions. • Finance Charges (APR): 3.6% per month (52.86% annualized) on revolving balances.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Axis Bank SuperMoney RuPay Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Axis Bank portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
A lifetime-free RuPay card against a ₹2,000 FD sounds ordinary. 10% rewards on UPI doesn't. We break down the 5% card + 5% novio UPI Coin math, 500-Coin daily cap, Go vs Prime, fuel exclusions, ₹599 early closure fee, and why 10 novio Coins is not ₹10 cashback in 2026.
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A lifetime-free RuPay card against a ₹2,000 FD sounds ordinary. 10% rewards on UPI doesn't. We break down the 5% card + 5% novio UPI Coin math, 500-Coin daily cap, Go vs Prime, fuel exclusions, ₹599 early closure fee, and why 10 novio Coins is not ₹10 cashback in 2026.
