super.money by Flipkart is one of the most rewarding UPI apps in India right now. It first launched the super.money secured credit card with Utkarsh Bank, where we could get a credit card by keeping a fixed deposit. Now, super.money has partnered with Axis Bank to launch a new credit card – the Axis Bank SuperMoney RuPay Credit Card (also called superCard Pro). This one offers 3% cashback on UPI spends, which is a big deal since most cards don’t give rewards on UPI payments.
Key Features of Axis Bank SuperMoney RuPay Credit Card
- 3% cashback on UPI payments via RuPay credit card
- 1% cashback on all other card transactions
- Comes with a free physical card
- Lifetime free with no annual charges
- 100% fuel surcharge waiver
- Special cashback offers on Ola, Myntra, MakeMyTrip & more
- ₹500 cashback cap per statement cycle
Axis Bank SuperMoney RuPay Credit Card – Cashback Structure
| Spend Category | Cashback Rate | Max Cashback/Month |
|---|---|---|
| UPI via RuPay | 3% | ₹500 (combined cap) |
| Other Spends | 1% | Included in ₹500 cap |
To maximize cashback, spending ₹16,667 per statement cycle via eligible UPI transactions is ideal.
What You Don’t Earn Cashback On:
To keep rewards focused, certain categories are excluded from cashback:
- Fuel purchases
- Jewellery transactions
- Cash withdrawals
- Wallet reloads
- Insurance payments
- Education-related expenses
- Government services
- Rent payments
- EMI transactions
Bottom Line: Should You Get the SuperMoney Axis Bank RuPay Credit Card?
super.money already offers a secured credit card with Utkarsh Bank. Now, they’ve teamed up with Axis Bank to launch the SuperMoney RuPay Credit Card, available by invite only through the super.money app.
If you use UPI often and want to earn rewards on your daily payments, this is one of the best UPI credit cards in India right now. With 3% cashback on UPI spends, no joining or annual fees, and extra offers on top brands, it’s a great pick for maximizing value without extra cost.
Best suited for:
- Regular UPI users
- Cashback seekers
- Smart spenders on a budget
- Anyone wanting a free credit card with great perks
These are my highest spendings are as under:
Reliance smart – 12K – Paid through phonepe
Apollo pharmacy/wellness – 5K – Paid through phonepe
Hotels (Dining out) like Pakashaala, Vasudev Adiga restaurants, polar bear, ibaco, BR etc – 5K – Paid through phonepe
Redbus bus ticket booking: 4K – Paid through phonepe
Recharges (mobile & wifi) – 2K – Paid through phonepe
Electricity – 2K – Paid through phonepe
Almost 99.95% through upi through phonepe only.
So kindly suggest me a good/ultimate credit card perfectly fitting for my spending type.
You have the answer in the question itself. Go for PhonePe SBI Select Black credit card.