Axis Bank SuperMoney RuPay Credit Card
Axis Bank RuPayWelcome Bonus: Limited time offers vary (₹500 Flipkart voucher on eligible transactions)
Lounge Access: Not applicable
Fuel Surcharge: Yes
| Minimum Income | Varies (invite-only currently) |
|---|---|
| Credit Score | 650+ |
| Employment Type | Salaried Self-employed Business Student |
Industry-leading 3% cashback on UPI transactions via super.money app
1% cashback on all other eligible transactions
Direct cashback credit to card account (no points to redeem)
UPI integration with all major apps
Ideal for digital payment enthusiasts
Annual savings potential of up to ₹6,000
Maximum benefit only on ₹16,500 monthly UPI spend via super.money app
Currently invite-only for new applications
No travel or lifestyle benefits
No airport lounge access
Existing Axis Bank customers with Flipkart card only
The Axis Bank SuperMoney RuPay Credit Card represents a game-changing approach to UPI-based credit cards in India. Co-branded with Flipkart’s super.money platform, this lifetime free card offers an unprecedented 3% cashback on QR code payments made through the super.money app—one of the highest UPI cashback rates in the market.
The simplicity is its strength: earn direct cashback without complicated reward points, category restrictions, or redemption hassles. For someone spending ₹16,500 monthly via super.money UPI (reaching the ₹500 monthly cap), that translates to ₹6,000 in annual savings with zero fees. All other purchases earn a respectable 1% cashback. While currently available by invitation only and primarily for existing Axis Bank Flipkart credit cardholders, the card’s value proposition is undeniable for UPI-heavy users. The lack of premium benefits like lounge access or travel perks keeps it focused on its core strength: maximizing returns on everyday digital payments.