Find my best card →
faayda.com › compare › Axis SUPERMONEY vs Kiwi RuPay
Comparison · हिन्दी

Axis SUPERMONEY vs Kiwi RuPay

Both cards compared on real rupee returns for Axis SUPERMONEY vs Kiwi RuPay which better lifetime free UPI RuPay credit card cashback India. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
AXIS
SUPERMONEY RUP
ASHOK KUMAR
VS
YES / AU
RUPAY
ASHOK KUMAR
Our verdict
Kiwi RuPay Credit Card wins for most people
Card B wins with ₹1,920 annual benefit versus Card A's ₹1,200. Kiwi's consistent 1.5% cashback on UPI scan-and-pay outperforms Axis's capped 3% structure for this moderate spend profile.
Side-by-side comparison
Axis Bank SUPERMONEY RuPay Credit Card Kiwi RuPay Credit Card ✓
Annual benefit ₹1,200 ₹1,920
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free Lifetime free
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 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 1.5% cashback on all UPI Scan & Pay transactions; 0.5% on online spends
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None None (on standard; milestone-based on Neon plan)
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% 3.5%
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 UPI-first spenders who pay via QR codes at offline stores
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 Flexible (new-to-credit friendly)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified 650+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Axis Bank SUPERMONEY RuPay Credit Card
Card A suits high-value UPI spenders (₹15,000+ monthly) where the 3% cap unlocks fully. The 1% unlimited rate helps if you spend significantly beyond core categories.
Kiwi RuPay Credit Card
Card B excels for your ₹12,000 monthly spend, especially with regular shopping and grocery UPI payments. Its uncapped 1.5% on scan-and-pay delivers steady, predictable rewards without activation requirements.
Who should get which card
Get Axis Bank SUPERMONEY RuPay if you…
· You regularly scan QR codes at shops and can unlock the full 3% cashback cap
· You have high discretionary spending across multiple categories (₹20,000+ monthly)
· You prefer a single card for all transaction types without splits
Get Kiwi RuPay if you…
· Your primary spending is UPI-based at shops (₹7,000 monthly in this profile)
· You want predictable, uncapped rewards without earning thresholds or caps
· You value simplicity with consistent 1.5% on most UPI transactions
Partner offer
Roarbank RuPay Credit Card
New-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 categories
Apply now →
UNITY
ASHOK KUMAR

See which card suits your exact spending

Get a personalised rupee estimate based on how you actually spend

Try the tool →

Already have one of these cards?

Upload your credit card statement. We'll show your real cashback, catch subscriptions, and flag if you're leaving money on the table

Analyse my statement →
Related guides
Kiwi RuPay vs ixigo AU →Kiwi RuPay vs Slice UPI →Best Shopping Credit Cards →Best Lifetime Free Credit Cards →Best Credit Cards for Amazon and Flipkart →
Frequently asked questions
Based on our analysis, Kiwi RuPay Credit Card offers better annual returns for most spend profiles.
Axis Bank SUPERMONEY RuPay Credit Card has an annual fee of Lifetime free. Kiwi RuPay Credit Card has an annual fee of Lifetime free.
Axis Bank SUPERMONEY RuPay Credit Card offers 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. Kiwi RuPay Credit Card offers 1.5% cashback on all UPI Scan & Pay transactions; 0.5% on online spends.
Axis Bank SUPERMONEY RuPay Credit Card lounge access: None. Kiwi RuPay Credit Card lounge access: None (on standard; milestone-based on Neon plan).
Axis Bank SUPERMONEY RuPay Credit Card charges 3.5% forex markup. Kiwi RuPay Credit Card charges 3.5% forex markup.