Find my best card →
faayda.com › cards › Axis Bank SUPERMONEY RuPay Credit Card
Axis Bank · RuPay · हिन्दी

Axis Bank SUPERMONEY RuPay Credit Card: full review

The Axis SUPERMONEY RuPay card is a lifetime-free UPI card that pays an honest 1% on most spends and up to 3% on QR payments made through the super.money app. Since January 2026 the 3% is capped at whatever you earn at 1% elsewhere, so the realistic return is between 1% and about 1.5%, and only if you split your spending between the two. It is a solid free everyday card, but flat-rate UPI cards such as Slice pay more without the juggling.

Apply now ↗Annual fee: Lifetime free
Last updated: October 2026 · Current terms verified
AXIS BANK
RuPay
)))
SUPERMONEY
ASHOK KUMAR
12/28
Lifetime freeAnnual fee
3% cashback on UPI scan-and-pay through the super.money app, capped each billing cycle at the cashback you earn on your other spends (at least ₹100); 1% unlimited cashback on other UPI and card spends; spends under ₹100 earn nothingReward structure
NoneLounge access

Key benefits of the Axis Bank SUPERMONEY RuPay Credit Card

3% cashback on UPI scan-and-pay through the super.money app, capped each billing cycle at the cashback earned on other spends, with a minimum cap of ₹1001% unlimited cashback on UPI payments in other apps and on all non-UPI card spendsLifetime free, with no joining or annual feeRuPay card that links to UPI apps for credit card payments at shops1% fuel surcharge waiver on fills of ₹400 to ₹4,000, up to ₹400 per statement cycle
Apply now ↗ Min. income: Applied for through the super.money app; Axis Bank does not publish an income requirement · Credit score: Not publicly specified
Pros and cons
Pros
✓ Lifetime free with no spend conditions
✓ 1% unlimited cashback on most spends, including UPI in any app
✓ Up to 3% on QR payments through the super.money app
✓ Works on UPI as a RuPay credit card
Cons
✗ The 3% cashback can never exceed what you earn at 1% elsewhere in the same cycle, so the best blended return is about 1.5%
✗ Bill and loan payments, utilities, telecom, rent, insurance, education, government services, EMIs and gift cards earn no cashback
✗ Single spends under ₹100 earn no cashback
✗ 3.5% forex markup, plus a 3.5% markup on rupee-billed foreign transactions
✗ No lounge access
Quick facts
Issuer Axis Bank
Network RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Interest rate 3.75% per month (55.55% a year)
Fee waiver No joining or annual fee
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Applied for through the super.money app; Axis Bank does not publish an income requirement
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified
SourceAxis Bank's Most Important Terms and Conditions for credit cards and the card's January 2026 cashback terms · Last checked October 2026
Calculate your annual benefit

Enter your typical monthly spend to see exactly how much you'd earn with this card.

₹
₹
₹
₹
₹
₹
Enter your monthly spend above to see your benefit
Frequently asked questions
The annual fee for Axis Bank SUPERMONEY RuPay Credit Card is Lifetime free. This card is lifetime free with no annual fee. Fee waiver: No joining or annual fee.
The main benefits of the Axis Bank SUPERMONEY RuPay Credit Card are: 3% cashback on UPI scan-and-pay through the super.money app, capped each billing cycle at the cashback earned on other spends, with a minimum cap of ₹100; 1% unlimited cashback on UPI payments in other apps and on all non-UPI card spends; Lifetime free, with no joining or annual fee; RuPay card that links to UPI apps for credit card payments at shops; 1% fuel surcharge waiver on fills of ₹400 to ₹4,000, up to ₹400 per statement cycle.
3% cashback on UPI scan-and-pay through the super.money app, capped each billing cycle at the cashback you earn on your other spends (at least ₹100); 1% unlimited cashback on other UPI and card spends; spends under ₹100 earn nothing
Axis Bank SUPERMONEY RuPay Credit Card is best for UPI users who pay shops by scanning QR codes in the super.money app and want a lifetime-free RuPay credit card, as long as they also spend enough elsewhere to unlock the 3% rate. The Axis SUPERMONEY RuPay card is a lifetime-free UPI card that pays an honest 1% on most spends and up to 3% on QR payments made through the super.money app. Since January 2026 the 3% is capped at whatever you earn at 1% elsewhere, so the realistic return is between 1% and about 1.5%, and only if you split your spending between the two. It is a solid free everyday card, but flat-rate UPI cards such as Slice pay more without the juggling.
The minimum income requirement for Axis Bank SUPERMONEY RuPay Credit Card is Applied for through the super.money app; Axis Bank does not publish an income requirement. The bank does not publish a minimum credit score.
Axis Bank SUPERMONEY RuPay Credit Card does not offer airport lounge access.
Axis Bank SUPERMONEY RuPay Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Shopping Credit Cards →Best Lifetime Free Credit Cards →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Students →Best Credit Cards for Self-Employed →
Card reviews
Roarbank RuPay Credit CardNew-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categoriesIDFC FIRST Quantum+ Credit CardFirst credit card for anyone with no credit history who wants a lifetime-free, FD-backed card with a flat 1% cashback and a very small depositAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categories
Compare with similar cards
Axis Bank SUPERMONEY RuPay vs Kiwi RuPay Compare →
Embed this card
Add this widget to your site
Writing a review or comparison for the Axis Bank SUPERMONEY RuPay Credit Card? Embed this live widget. It always shows our current, verified fee and reward rate, so it never goes stale.
Live preview
<iframe src="https://faayda.com/embed/axis-supermoney"
  width="420" height="260"
  frameborder="0"></iframe>
No sign-up · Free to use
Axis Bank SUPERMONEY RuPayLifetime free
Apply now ↗