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Axis Bank SuperMoney RuPay Credit Card
A UPI-first RuPay cashback card issued only by invitation through the super.money app and secured against a fixed deposit held with Axis Bank — a secured-card structure that suits people building or rebuilding credit history as much as it suits FD-backed UPI spenders. It's genuinely useful for everyday UPI-first spenders since Scan & Pay transactions earn well above typical UPI cashback cards, but the invite-only distribution and the FD-collateral requirement rule out most applicants who'd otherwise want it.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on fuel transactions between ₹400–₹4,000, capped at ₹400 back per statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Rewards redemption fee: Cashback is credited automatically as statement credit; no redemption fee
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- 1% fuel surcharge waiver on fuel transactions between ₹400–₹4,000, capped at ₹400 back per statement cycle
- 3% cashback on UPI 'Scan & Pay' transactions made via the super.money app, plus 1% uncapped cashback on all other spends; from January 2026 the 3% UPI tier is capped at whatever cashback you've already earned from non-UPI spend that cycle, with a ₹100 floor, so light non-UPI spenders see a lower effective UPI rate
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 for a lifetime-free card
- + No joining or annual fee, ever, regardless of spend
- + Being FD-secured makes it accessible to those with thin or damaged credit histories who'd otherwise be declined
- + Fuel surcharge waiver, though modest, adds a small extra saving on fuel spend
Cons
- − Invite-only via the super.money app — not openly appliable
- − Requires a fixed deposit with Axis Bank as collateral, locking up capital to hold the card
- − The 3% tier is now capped by your other spend that cycle, making the effective rate harder to predict
- − Cashback is confined to the super.money/UPI ecosystem for its headline rate, with everything else falling back to a flat 1%
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