RuPay

Axis Bank super.money RuPay Credit Card

A lifetime-free RuPay credit card offering 3% cashback on eligible QR transactions through the super.money platform and 1% on other qualifying spends.

3% eligible spends · 1% Other · Nil annual fee

Last verified: 19 Sept 2026. We verify rewards, fees and key terms against issuer sources — terms can change, so confirm current details with the issuer before applying.

Card overview

Card typeCASHBACK

NetworkRuPay

StatusACTIVE

Slugaxis-supermoney

The key decode

The 3% headline rate isn't unlimited — eligible spends, Other share one combined ₹500 per month cashback cap. Once that shared cap is used up, those categories stop earning the accelerated rate.

Rewards

3%
Cashback
UPI
₹500 / statement cycle cap · ₹100 minimum transaction
UPI
3% cashback applies to eligible QR transactions done on or through the super.money platform.
1%
Cashback
Other
₹500 / statement cycle cap · ₹100 minimum transaction
1% cashback applies to other qualifying spends, subject to restricted MCC exclusions.

Fees

JOININGNil

Lifetime free credit card; no joining fee.

ANNUALNil

Lifetime free credit card; no annual fee.

What doesn't earn rewards

Fuel — Fuel transactions do not earn cashback.
Rent — Rent payments do not earn cashback.
Wallet — Wallet loading transactions do not earn cashback.
Government — Government transactions do not earn cashback.
Insurance — Insurance transactions do not earn cashback.
Education — Education transactions do not earn cashback.

Don't just look at the reward rate — look at where the card refuses to pay.

Benefits

1% fuel surcharge waiver — 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹4,000, with a maximum benefit of ₹400 per statement cycle. GST on the fuel surcharge is not refunded.

Eligibility

Salaried / self Employed

Age18+

ResidencyIndian resident

Eligibility is subject to Axis Bank's internal credit assessment and applicable criteria.

DecodeCard verdict

8/10

Best forUsers who frequently make QR payments through the super.money platform and want a lifetime-free UPI-focused cashback card.

Why we like it

3% cashback on eligible QR transactions through super.money
1% cashback on other qualifying spends
Lifetime free
RuPay network supports UPI credit-card payments
1% fuel surcharge waiver on eligible fuel transactions
Simple cashback structure

Watch out

Total cashback is capped at ₹500 per statement cycle
3% cashback is specifically tied to the super.money platform
Several common categories are excluded from cashback
Fuel transactions do not earn cashback despite the separate fuel surcharge waiver
The ₹500 monthly-equivalent value depends on statement-cycle timing and eligible spend

Read our full analysis

Axis Bank super.money RuPay Credit Card is a lifetime-free UPI-focused card that offers 3% cashback on eligible QR transactions done on or through the super.money platform and 1% on other qualifying spends. Total cashback is capped at ₹500 per statement cycle, making the card primarily useful for users who regularly make eligible super.money QR payments.

The super.money card is primarily a UPI/QR cashback card rather than a general-purpose high-reward card. Its 3% rate applies specifically to eligible QR transactions done on or through the super.money platform, while other qualifying spends earn 1%. The combined ₹500 statement-cycle cashback cap significantly limits the absolute reward value, so the card is most relevant for users who can consistently generate eligible super.money QR spend. The separate fuel surcharge waiver is useful but should not be confused with cashback eligibility.