Axis Bank
Axis Bank SUPERMONEY RuPay Credit Card
Lifetime-free RuPay card: 3% cashback on scan-and-pay UPI through the super.money app, limited each cycle to what you earn on your other spends (at least ₹100), and 1% on other UPI and card spends with no cap.
- Lifetime free
- Works on UPI (RuPay)
- RuPay
Pros and cons
Good
- Lifetime free: no joining or annual fee
- 3% on UPI: 1st of 30 UPI and RuPay cards we compare
- Works on UPI and earns 3% there
Watch out for
- Tight cap: rewards on UPI stop after about ₹3,300 of spend a month
- Earns nothing on fuel, wallet loads, insurance, government payments, rent and utility bills
- High forex markup (3.5%)
- Who it's for
- Anyone who wants a no-fee card for UPI that also works on UPI.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 1% (base rate)
- Online shopping
- 1%
- Fuel
- 0%
- Groceries
- 1%
- UPI
- 3%
- Travel
- 1%
- Bills and utilities
- 0%
- Dining and food delivery
- 1%
Fees and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Lifetime free: no joining or annual fee.
- Forex markup
- 3.5%
- Fuel surcharge waiver
- 1% waiver on fuel transactions of ₹400 to ₹4,000, up to ₹400 per statement cycle (the bank's terms say the amount credited may be 0.989%); GST on the surcharge isn't refunded; fuel earns no cashback
Benefits and eligibility
- Airport lounge
- None
- Card network
- RuPay
- UPI payments
- Yes, as a RuPay credit card
- Minimum income (salaried)
- Not published by the bank
- Eligibility
- You apply through the super.money app. If you already bank with Axis, you can get this card only if you hold a Flipkart Axis Bank credit card. Axis doesn't publish age or income criteria for this card; approval is at the bank's discretion.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the Axis Bank SUPERMONEY RuPay Credit Card?
View on Axis Bank siteIssuer's site. We don't earn from this card.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by Axis Bank.
Related guides
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What changed recently
- FeesWorse for you
Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.
Before: 1.5% · After: 3.5%
Bank's notice or terms - FeesWorse for you
Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.
After: ₹1,300 on balances of ₹50,000 and above
Bank's notice or terms - Excluded spendsWorse for you
Bridge fees, road fees and tolls no longer earn cashback.
After: No cashback on bridge fees, road fees and tolls
The current SUPERMONEY cashback terms also list tolls as excluded; it isn't clear whether the earlier version did.
Bank's notice or terms
Questions people ask
Is the Axis Bank SUPERMONEY RuPay Credit Card worth it in 2026?
Yes, as a no-fee card for UPI that also works on UPI: it costs nothing to keep. The catch: tight cap: rewards on UPI stop after about ₹3,300 of spend a month.
Is the Axis Bank SUPERMONEY RuPay Credit Card lifetime free?
Yes. The bank's fee schedule shows no joining fee and no annual fee.
Does the Axis Bank SUPERMONEY RuPay Credit Card work on UPI?
Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 3% on UPI spends.
Does the Axis Bank SUPERMONEY RuPay Credit Card give airport lounge access?
No complimentary airport lounge access.
What earns no rewards on the Axis Bank SUPERMONEY RuPay Credit Card?
Also no cashback on telecom, financial institutions, gift cards, bridge and road fees and tolls, card repayments, or any transaction under ₹100. Purchases converted to EMI later lose their cashback. The 1% on other spends has no cap.
Is there a limit on rewards with the Axis Bank SUPERMONEY RuPay Credit Card?
The 3% on scan-and-pay UPI through the super.money app is limited each statement cycle to the cashback you earn on your other UPI and card spends, or ₹100 if that is lower. We use the ₹100 floor here, so if you also spend a lot elsewhere your real limit is higher. UPI payments through other apps earn 1% with no cap.
Who can get the Axis Bank SUPERMONEY RuPay Credit Card?
You apply through the super.money app. If you already bank with Axis, you can get this card only if you hold a Flipkart Axis Bank credit card. Axis doesn't publish age or income criteria for this card; approval is at the bank's discretion. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read Axis Bank's own product page on 19 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 19 Oct 2026 on Axis Bank's official page. Fees and rewards change; check the issuer's terms before you apply.