← Part of Axis Credit Cards in India
The Axis Bank SuperMoney RuPay Credit Card, launched in partnership with super.money by Flipkart, is a lifetime-free card focused on UPI-based rewards. As of January 1, 2026, IT offers 3% cashback on UPI transactions made via the super.money app, with the previous ₹500 monthly cashback CAP now removed.
| Parameter | Details |
|---|---|
| Card Name | Axis Bank SuperMoney RuPay Credit Card |
| Issuing Bank | Axis Bank |
| Co-branded Partner | super.money by Flipkart |
| Card Network | RuPay (National Payments Corporation of India, launched 2014) |
| Card Type | Lifetime Free Credit Card |
| Joining Fee | Zero |
| Annual Fee | Zero |
| Primary Focus | UPI-based cashback and rewards in India |
| Cashback on UPI Spends (super.money app) | 3% (effective January 1, 2026) |
| Cashback Capping on UPI Spends | Removed as of January 1, 2026 (previously ₹500 per billing cycle) |
| Cashback on Non-UPI Spends | 1% |
| Fuel Surcharge Waiver | 1% on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle |
| Welcome Bonus | 100% cashback up to ₹500 on first Flipkart UPI purchase (valid on first UPI transaction via SuperMoney app) |
| Eligibility (Age) | Indian citizens and non-citizens between 18 and 70 years |
| Required Documents | Valid ID proof (PAN & Aadhaar), address proof, income proof (for salaried applicants) |
| Card Dispatch | Within a few working days upon approval |
| Target User | Active UPI users seeking a simple, rewarding, and fee-free credit card |
This card is a valuable addition to the Indian credit card , especially for individuals who frequently use UPI for daily transactions, given RuPay’s growing share of 12% in total card transaction volume by 2024.
Axis Bank SuperMoney RuPay Credit Card in India: Types, Categories & Key Components Explained
The Axis Bank SuperMoney RuPay Credit Card is a lifetime-free, co-branded card launched by Axis Bank and super.money by Flipkart. IT focuses on UPI-based rewards, offering up to 3% cashback on specific UPI transactions as of 2026.
| Type/Category | Details | Key Feature |
|---|---|---|
| Co-branded Credit Card | Offered by Axis Bank in association with super.money by Flipkart | Lifetime-free RuPay credit card with zero joining and annual fees |
| UPI Rewards Card | Dedicated card for UPI-based rewards and transactions | 3% cashback on UPI transactions via the super.money app (as of 2026) |
| Cashback Structure (Effective Jan 1, 2026) | Revisions to cashback computation and capping | Cashback capping of ₹500 per statement cycle is no longer applicable |
| Cashback Structure (Effective Jan 1, 2026) | Unlimited cashback on eligible UPI and non-UPI purchases | 1% cashback on all eligible UPI purchases (except through super.money app) and non-UPI purchases |
| Fuel Surcharge Waiver | Waiver on fuel transactions across India | 1% waiver on fuel surcharge for transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle |
| Welcome Bonus | For new cardholders upon activation | 100% cashback up to ₹500 on the first Flipkart UPI purchase via the SuperMoney app |
| Card Network | Global card payment network from India | RuPay network, enabling seamless UPI payments and domestic focus |
| Eligibility Proofs | Documents required for application | Valid ID proof (PAN & Aadhaar), address proof, and income proof for salaried applicants |
| UPI App Linkage | Compatibility with various UPI applications | Can be linked to any UPI app, including SuperMoney, PayTM, and PhonePe |
| Domestic Focus | Primary market for RuPay Credit Cards | Primarily focused on the domestic Indian market with limited international acceptance |
| Target User | Individuals active in UPI transactions | Ideal for users seeking a simple, rewarding, and fee-free credit card for digital payments |
| Card Dispatch | Delivery process post-approval | Card dispatched to the specified address within a few working days upon approval |
The card’s revised cashback structure from January 1, 2026, removes the monthly capping, allowing for unlimited cashback on eligible spends.
Axis Bank SuperMoney RuPay Credit Card in India: Key Statistics & Data Points for 2026
The Axis Bank SuperMoney RuPay Credit Card is a lifetime-free card, offering zero joining and annual fees as of 2026. IT provides 3% cashback on UPI transactions made via the super.money app, with a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.
| Metric | Value | Source |
|---|---|---|
| Card Type | Lifetime Free Credit Card | Axis Bank Official Website |
| Joining Fee (2026) | Zero | Axis Bank Official Website |
| Annual Fee (2026) | Zero | Axis Bank Official Website |
| Cashback on UPI transactions via super.money app | 3% | Axis Bank Official Website |
| Cashback on all other spends (non-UPI and non-super.money app UPI) | 1% | Axis Bank Official Website |
| Fuel Surcharge Waiver | 1% | Axis Bank Official Website |
| Fuel Surcharge Waiver Transaction Range | ₹400 to ₹4,000 | Axis Bank Official Website |
| Maximum Fuel Surcharge Waiver per Statement Cycle | ₹400 | Axis Bank Official Website |
| Monthly Cashback CAP (Effective January 1, 2026) | Removed (previously ₹500) | Axis Bank Official Website |
| Welcome Bonus | 100% cashback up to ₹500 | Axis Bank Official Website |
| Welcome Bonus Condition | On first Flipkart UPI purchase via SuperMoney app | Axis Bank Official Website |
| Eligibility Age Range | 18 to 70 years | Axis Bank Official Website |
| Required Documents for Salaried Applicants | PAN, Aadhaar, Address Proof, Income Proof | Axis Bank Official Website |
| Card Network | RuPay | Axis Bank Official Website |
| RuPay Card Network Launch Year | 2014 | National Payments Corporation of India (NPCI) |
| RuPay Cards’ Share of Total Card Transaction Volume in India (2024) | 12% | Industry Reports |
The card’s terms and conditions were updated effective January 1, 2026, notably removing the previous monthly cashback CAP of ₹500 for UPI spends via the SuperMoney app.
How Axis Bank SuperMoney RuPay Credit Card in India Works: Process, Steps & Key Details
The Axis Bank SuperMoney RuPay Credit Card is a lifetime-free card designed for UPI users, offering up to 3% cashback on specific transactions. As of January 1, 2026, the previous monthly cashback CAP of ₹500 on UPI spends via the SuperMoney app has been removed. This card allows seamless UPI payments and provides a 1% fuel surcharge waiver.
- Eligibility Criteria: Indian citizens and non-citizens aged 18 to 70 years can apply for the Axis Bank SuperMoney RuPay Credit Card. Applicants must meet Axis Bank’s internal credit policies.
- Required Documents: To apply, applicants need valid ID proof (PAN and Aadhaar), address proof, and income proof for salaried individuals. These documents verify identity and financial standing.
- Application Process: Interested individuals can apply online through the Axis Bank website or the SuperMoney app. The application involves filling out a form and submitting the necessary digital documents.
- Card Approval & Dispatch: Upon successful application and approval, the RuPay Credit Card is dispatched to the applicant’s specified address. Delivery typically occurs within a few working days.
- UPI Integration: The card can be linked to any UPI app, including SuperMoney, PayTM, or PhonePe, for convenient digital payments. This integration allows users to make UPI transactions directly from their credit card.
- Cashback Structure: Cardholders earn 3% cashback on UPI payments made via the co-branded SuperMoney app and 1% cashback on all other non-UPI spends. The ₹500 monthly cashback CAP on UPI spends was removed effective January 1, 2026.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver is available for transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle. This benefit applies to fuel purchases across India.
- Welcome Bonus: New cardholders receive 100% cashback up to ₹500 on their first Flipkart UPI purchase using the card. This bonus is valid only on the first UPI transaction made through the SuperMoney app.
The Axis Bank SuperMoney RuPay Credit Card provides a straightforward mechanism for earning rewards on UPI and other spends, making IT a valuable tool for digital transactions in India.
Axis Bank SuperMoney RuPay Credit Card in India: Benefits, Advantages & Why Students Choose IT
The Axis Bank SuperMoney RuPay Credit Card is a lifetime-free card offering significant cashback on UPI transactions, making IT ideal for digital-first users in India. As of January 1, 2026, the previous monthly cashback limit of ₹500 has been removed, allowing for unlimited cashback earnings.
- Lifetime Free Card: The Axis Bank SuperMoney RuPay Credit Card has zero joining fees and zero annual charges, providing a cost-effective credit solution. This makes IT accessible for individuals seeking a credit card without recurring fees.
- High UPI Cashback: Cardholders earn 3% cashback on UPI payments made through the co-branded super.money app, one of the highest rates for UPI transactions in India. This benefit is particularly strong for frequent digital spenders.
- Unlimited Cashback (2026): Effective January 1, 2026, the previous cashback capping of ₹500 per statement cycle on UPI spends via the SuperMoney app is no longer applicable. This allows users to earn unlimited cashback.
- General Spends Cashback: The card offers a 1% cashback on all non-UPI spends, providing value across various transaction categories. This ensures users receive benefits even for traditional card payments.
- Fuel Surcharge Waiver: Users receive a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle. This benefit helps reduce costs for regular fuel purchases.
- Welcome Bonus: New cardholders can get 100% cashback up to ₹500 on their first Flipkart UPI purchase made via the SuperMoney app. This bonus provides an immediate incentive for new users.
- RuPay Network Advantages: Being a RuPay card, IT supports seamless UPI integration, allowing users to link IT with any UPI app for convenient payments. RuPay cards accounted for nearly 12% of total card transaction volume in India by 2024.
This card is a strong choice for individuals who frequently use UPI for payments and seek a rewarding, fee-free credit card experience in India.
Axis Bank SuperMoney RuPay Credit Card in India: Vs Alternatives: Which Option is Best?
The Axis Bank SuperMoney RuPay Credit Card offers a lifetime-free structure with zero joining and annual fees, making IT a strong contender for UPI-focused rewards. As of January 1, 2026, its 3% cashback on super.money app UPI transactions is uncapped, providing significant value for frequent digital spenders.
Comparing IT with other RuPay credit cards helps identify the best fit for specific spending habits, especially for those prioritizing UPI integration and cashback.
| Feature | Axis Bank SuperMoney RuPay Credit Card | Kiwi UPI Credit Card | Axis Bank Neo RuPay Credit Card |
|---|---|---|---|
| Card Type | Co-branded Lifetime Free RuPay Credit Card | Lifetime Free RuPay Credit Card | Lifetime Free RuPay Credit Card |
| Primary Focus | UPI-based rewards, especially via super.money app | UPI Credit Card with guaranteed cashback | Bill payments via Paytm, Zomato orders |
| Cashback on UPI Spends | 3% on super.money app UPI transactions (unlimited from Jan 1, 2026); 1% on other eligible UPI purchases (from Jan 1, 2026) | Guaranteed cashback (specific rates vary by issuer) | Cashback on bill payments (specific rates vary) |
| Cashback on Non-UPI Spends | 1% | Not specified (focus on UPI) | Not specified (focus on specific platforms) |
| Annual/Joining Fees | Zero joining and annual fees (Lifetime Free) | Zero joining and annual fees | Zero joining and annual fees |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400-₹4,000, max ₹400 per statement cycle | Common benefit for fuel spenders (specific limits vary) | Not specified |
| Welcome Bonus | 100% cashback up to ₹500 on first Flipkart UPI purchase (valid on first UPI transaction via SuperMoney app) | Varies by issuer | Varies by issuer |
| Eligibility Proofs | PAN, Aadhaar, address proof, income proof (for salaried applicants) | Similar ID and income proofs | Similar ID and income proofs |
The Axis Bank SuperMoney RuPay Credit Card stands out for its uncapped 3% cashback on super.money app UPI transactions from January 2026, making IT highly competitive for users who frequently use that platform.
Common Misconceptions About Axis Bank SuperMoney RuPay Credit Card in India
The Axis Bank SuperMoney RuPay Credit Card is a lifetime-free card, but some users misunderstand its cashback structure and applicability. As of January 1, 2026, the previous monthly cashback CAP of ₹500 on UPI spends via the SuperMoney app has been removed, its value proposition.
- Misconception 1: Cashback applies to all UPI apps. The 3% cashback is specifically for UPI payments made through the co-branded super.money app, not other UPI platforms like PayTM or PhonePe.
- Misconception 2: IT has annual fees. The Axis Bank SuperMoney RuPay Credit Card is a lifetime-free card, meaning IT has zero joining fees and zero annual charges.
- Misconception 3: International acceptance is broad. RuPay credit cards, including this one, are primarily focused on the Indian domestic market, with limited international acceptance compared to global networks like Visa or Mastercard.
- Misconception 4: Fuel surcharge waiver is unlimited. The card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, but IT is capped at ₹400 per statement cycle.
- Misconception 5: Cashback limits remain. Effective January 1, 2026, the previous ₹500 cashback capping per billing cycle on UPI spends via the SuperMoney app is no longer applicable, allowing for higher overall cashback earnings.
Understanding these specific terms helps cardholders maximize benefits from the Axis Bank SuperMoney RuPay Credit Card in 2026.
What to Do Next: Actionable Steps
Applying for the Axis Bank SuperMoney RuPay Credit Card involves a straightforward online process. As of 2026, the card remains lifetime-free with zero joining or annual charges, making IT an attractive option for UPI users.
- Verify Eligibility: Ensure you are an Indian citizen or non-citizen aged 18 to 70 years.
- Gather Documents: Prepare valid ID proof (PAN and Aadhaar), address proof, and income proof if you are a salaried applicant.
- Apply Online: Visit the official Axis Bank website or the super.money platform to initiate your application.
- Complete Application: Fill out the application form accurately with all required personal and financial details.
- Await Approval: Upon successful submission, Axis Bank will review your application.
- Card Dispatch: If approved, your SuperMoney RuPay Credit Card will be dispatched to your registered address within a few working days.
Key Takeaways
- The Axis Bank SuperMoney RuPay Credit Card is lifetime-free, with no joining or annual fees as of 2026.
- Cardholders earn 3% cashback on UPI transactions made via the super.money app and 1% cashback on all other non-UPI spends.
- The previous cashback capping of ₹500 per statement cycle on UPI spends was removed effective January 1, 2026, allowing for unlimited cashback.
To apply, check your eligibility and proceed with the application on the official Axis Bank website.
Frequently Asked Questions (FAQs)
What is the Axis Bank SuperMoney RuPay Credit Card?
The Axis Bank SuperMoney RuPay Credit Card is a co-branded card from Axis Bank and super.money (Flipkart Group). IT offers cashback on UPI transactions, particularly through the super.money app. This card is designed for users who frequently make digital payments via UPI in India.
What are the main cashback benefits of the Axis Bank SuperMoney RuPay Credit Card?
The Axis Bank SuperMoney RuPay Credit Card offers 3% cashback on UPI payments made via the super.money app. For other non-UPI spends, cardholders receive 1% cashback. As of January 1, 2026, the previous monthly cashback limit of ₹500 has been removed.
Can I link the Axis Bank SuperMoney RuPay Credit Card to any UPI app?
Yes, you can link the Axis Bank SuperMoney RuPay Credit Card to any UPI application of your choice, such as Paytm or PhonePe. However, to earn the accelerated 3% cashback, transactions must be made specifically through the super.money app. Other UPI apps will typically earn 1% cashback.
Are there any annual fees for the Axis Bank SuperMoney RuPay Credit Card?
The Axis Bank SuperMoney RuPay Credit Card is a lifetime-free credit card. This means IT does not carry any annual fees or joining fees. This makes IT an attractive option for users seeking a cost-effective cashback card for UPI transactions.
What are the fuel surcharge benefits on this card?
The Axis Bank SuperMoney RuPay Credit Card provides a 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000. The maximum waiver allowed is ₹400 per statement cycle. This benefit applies to fuel stations across India.
What changes were made to the Axis Bank SuperMoney RuPay Credit Card in January 2026?
Effective January 1, 2026, Axis Bank updated the terms and conditions for the SuperMoney RuPay Credit Card. The most significant change was the removal of the ₹500 monthly cashback CAP, allowing cardholders to earn unlimited cashback on eligible spends. Other benefits like the 3% cashback on super.money UPI transactions remain.
How does the Axis Bank SuperMoney RuPay Credit Card compare to other RuPay credit cards for UPI payments?
The Axis Bank SuperMoney RuPay Credit Card offers one of the highest cashback rates for UPI transactions, providing 3% cashback when used with the super.money app. Many other RuPay cards offer lower cashback or reward points on UPI. Its lifetime-free status also gives IT an edge over some competitors with annual fees.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.