What is it?
Axis Bank has partnered with super.money (a Flipkart-backed fintech) to launch a RuPay-powered credit card that’s built for the UPI era. No annual fee. No frills. Just pure utility.
What You Get
Lifetime Free
No joining or renewal charges — ever.
UPI + Credit = 3% Cashback
When you use the card via the super.money app’s “Scan & Pay” feature, you get:
→ 3% cashback (capped at ₹500/month)
1% on Everything Else
Online shopping, POS, ATMs — 1% cashback across the board.
Fuel Waiver
1% fuel surcharge waived for spends between ₹400–₹4,000.
Secured Option Available
Can be issued against FD, making it accessible to new-to-credit users.
What to Watch
- No Cashback on rent, wallet load, insurance, education, etc.
- ₹500 cap on UPI cashback. Great for everyday usage, not ideal for big monthly spends.
- Cashback only applies if you pay through super.money app’s QR interface.
Who is this for?
- UPI-heavy users who want credit + rewards
- First-time cardholders or students looking for a zero-maintenance card
- Users already on super.money ecosystem
My Take
This is a genuinely refreshing no-fee card in the Indian market — as long as you stay within the monthly limits and use it primarily through the app. The UPI + credit combo is still evolving in India, and this one gets it right for light-to-medium spenders.