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Comparison · हिन्दी

Axis SUPERMONEY vs Slice UPI

Both cards compared on real rupee returns for Axis SUPERMONEY vs Slice UPI credit card which better lifetime free UPI 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
SLICE SMAL
UPI
ASHOK KUMAR
Our verdict
Slice UPI Credit Card wins for most people
Card B wins with ₹1,440 annual benefit versus Card A's ₹1,200. Slice's consistent 1% cashback on your spend profile outperforms Axis's conditional 3% UPI rewards, which are capped and harder to maximize.
Side-by-side comparison
Axis Bank SUPERMONEY RuPay Credit Card Slice UPI Credit Card ✓
Annual benefit ₹1,200 ₹1,440
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% cashback (as monies) on eligible card and UPI spends; the rate rises to 1.5% or 2% only once you hold ₹3 lakh or ₹5 lakh of unredeemed monies, and to 3% with ₹5 lakh of monies plus a ₹5 lakh average savings balance; fuel, rent, wallet loads, insurance, education, government payments, gaming, EMIs and international spends earn nothing
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None 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% 0%
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 New-to-credit users wanting a lifetime-free card with 1% back on UPI and zero forex markup
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 (18+ with any income)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified 600+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Axis Bank SUPERMONEY RuPay Credit Card
Choose Card A if you frequently use the super.money app for UPI scan-and-pay transactions at shops and can consistently unlock the 3% cashback cap through other qualifying spends.
Slice UPI Credit Card
Choose Card B for straightforward, hassle-free cashback. Its flat 1% rate on all eligible spends requires no app switching, thresholds, or complex conditions—ideal for everyday UPI and card payments.
Who should get which card
Get Axis Bank SUPERMONEY RuPay if you…
· Active super.money app user making regular UPI QR payments
· Willing to optimize spending across multiple payment methods
· Prefers RuPay card ecosystem
Get Slice UPI if you…
· Want simple, predictable cashback with no conditions
· Prefer consistent 1% return on all eligible UPI and card spends
· New-to-credit users seeking straightforward rewards structure
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

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Related guides
ICICI Bank Platinum Chip vs Slice UPI →Kiwi RuPay vs Slice UPI →Axis Bank SUPERMONEY RuPay vs Kiwi RuPay →Best Shopping Credit Cards →Best Lifetime Free Credit Cards →Best Credit Cards for Amazon and Flipkart →
Frequently asked questions
Based on our analysis, Slice UPI Credit Card offers better annual returns for most spend profiles.
Axis Bank SUPERMONEY RuPay Credit Card has an annual fee of Lifetime free. Slice UPI 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. Slice UPI Credit Card offers 1% cashback (as monies) on eligible card and UPI spends; the rate rises to 1.5% or 2% only once you hold ₹3 lakh or ₹5 lakh of unredeemed monies, and to 3% with ₹5 lakh of monies plus a ₹5 lakh average savings balance; fuel, rent, wallet loads, insurance, education, government payments, gaming, EMIs and international spends earn nothing.
Axis Bank SUPERMONEY RuPay Credit Card lounge access: None. Slice UPI Credit Card lounge access: None.
Axis Bank SUPERMONEY RuPay Credit Card charges 3.5% forex markup. Slice UPI Credit Card charges 0% forex markup.