The Axis Bank Super Money RuPay Credit Card is a solid pick for UPI payments. With no annual fee, it is one of the best cards to keep in your wallet.
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Key Features of the Axis Bank SuperCard Pro
1. Super.money UPI Cashback
- 3% Cashback on UPI spends via Super.money app only (₹500/month cap).
- 100% Welcome Cashback up to ₹500 on first Flipkart transaction via UPI.
- 1% Cashback on regular offline/online spends (non-UPI).
2. Fuel surcharge waiver
- 1% fuel surcharge waiver (₹400 cap/month at select pumps).
3. Zero Joining fees and 100% cashback offers
- No joining fees—ideal for beginners or secondary cardholders looking to optimize UPI transactions.
- 100% cashback up to ₹500 on your first transaction on Flipkart (sitewide) when paid via the Super.money app using UPI with the credit card.
Axis Bank Super Money RuPay Credit Card – Cashback Structure
| Transaction Type | Cashback Rate | Monthly Cap | Notes |
|---|---|---|---|
| UPI Transactions (via Super.money app only) | 3% | ₹500/month | Merchant payments only via Super.money UPI with RuPay card |
| Non-UPI Transactions (Offline & Online) | 1% | ₹500/month | Excludes fuel, rent, wallet loads, etc. |
| Total Monthly Cashback Cap | — | ₹500/month | Effective combined cap across all eligible spends |
| Welcome Offer | 100% (up to ₹500) | One-time | On Flipkart using Super.money UPI + credit card |
Transactions Not Eligible for Cashback (Excluded Categories)
- Rent payments
- Wallet reloads
- Fuel purchases
- Insurance payments
- Government services
- Utility bill payments via wallets
- EMI transactions
- Gift card or voucher purchases
Full Comparison: Axis Super Money vs SBI Cashback vs Kiwi Card
| Feature | Axis Bank Super Money RuPay | SBI Cashback Credit Card | Kiwi Credit Card |
|---|---|---|---|
| UPI Cashback | 3% | N/A | 1% |
| Online Shopping Cashback | 1% | 5% on select platforms | 1% |
| Welcome Offer | ₹500 Flipkart UPI cashback | None | None |
| Annual Fee | ₹0 | ₹999 (waived on ₹2L spend/year) | ₹0 |
| Monthly Cashback Cap | ₹500 (shared for all categories) | ₹5,000 | Limited to 1% of the total credit limit |
| Cashback Exclusions | Wallets, rent, fuel, gov. fees | Utilities, fuel, rent, EMI | Fuel, rent, education |
| Network | RuPay | Visa | Visa |
Who Should Get Axis Bank Super Money RuPay Credit Card?
If your are looking for a free credit card for UPI spends it is a good credit card as it offers generous 3% cashback on UPI transactions through Super.money app. However if your primary expenses involve non-UPI online shopping, the SBI Cashback Card might offer more value at 5% cashback. If you want basic UPI credit card access without using a app like Super.money, the Kiwi Card is worth exploring.
FAQ’s
Trying for Axis SuperCard Pro but getting Utkarsh SuperCard application in supermoney. What to do?
You can apply for Axis SuperCard Pro through this link: https://super.money/product?_branch_match_id=1012301021355846832&utm_source=Axis&utm_campaign=May25&utm_medium=mailer_axis&_branch_referrer=H4sIAAAAAAAAA8soKSkottLXz8nMy9YrLi1ILdLLzc9LrdRPzKoMCw73SUoPTrKvK0pNSy0qysxLj08qyi8vTi2ydc4oys9NBQAKDFQcPgAAAA%3D%3D#superCard
What is the cashback offered on UPI spends with Axis Bank Super Money RuPay Credit Card?
The cashback on Axis bank super money rupay credit card is 3% when payment is done via Super.money app only with a capping of Rs 500 per month.
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