Axis Bank SuperMoney RuPay Credit Card

A UPI-first RuPay cashback card issued only by invitation through the super.money app and secured by an Axis fixed deposit — genuinely useful for FD-backed UPI spenders, but the invite-only, FD-collateral gating limits who can actually get one.

Rates and fees last verified 15 July 2026.

Annual fee

₹0

Joining fee

₹0

Reward type

cashback

Base reward rate

Card network

RuPay

Card tier

Entry

Benefits by category

⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400–₹4,000, capped at ₹400/month
🌍 Forex / international spend
3.5% forex markup on international transactions

Eligibility

Minimum credit score: 700
Employment: salaried, self-employed
Age: 18–65

Benefits

1% fuel surcharge waiver on transactions between ₹400–₹4,000, capped at ₹400/month
3% cashback on UPI 'Scan & Pay' transactions via the super.money app, 1% uncapped cashback on all other spends (from Jan 2026, the 3% tier is capped at whatever cashback is earned from other spends that cycle, floored at ₹100)

Pros

+ Uncapped 1% base cashback after the January 2026 cap removal
+ 3% on UPI Scan & Pay spend via super.money is a strong everyday rate
+ No joining or annual fee

Cons

− Invite-only via the super.money app — not openly appliable
− Requires a fixed deposit with Axis Bank as collateral
− The 3% tier is now capped by your other spend that cycle, making the effective rate harder to predict

Apply on Axis Bank's site