Axis Bank SuperMoney RuPay Credit Card
Axis Bank · RuPay
Why this card?
- 1% cashback on eligible spends
- Lifetime free — no joining or annual fee
- 1% fuel surcharge waiver
Card details
- Issuer
- Axis Bank
- Network
- RuPay
- Annual Fee
- Lifetime Free
- Joining Fee
- None
- Reward Type
- cashback
- Best Reward Rate
- 1% on all eligible spends
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Rates verified
- 2026-10-06
Our verdict
Axis SuperMoney RuPay offers 3% cashback on UPI scan-and-pay through the super.money app, but that rate is capped at the total cashback earned on other spends in the same statement cycle (minimum cap ₹100). Other eligible spends earn 1% cashback. At lifetime-free, the opportunity cost of holding it is zero. Best suited for users who already transact heavily via UPI and are comfortable with the super.money ecosystem.
Pros
- 3% cashback on super.money UPI payments, subject to a cycle cap
- Lifetime free
- Cashback credited to statement (not points)
- 1% cashback on other eligible spends, plus a fuel surcharge waiver
Cons
- 3% only on super.money app UPI transactions, and limited by the cashback earned on other spends
- RuPay — limited international acceptance, and a 3.5% forex markup
- No lounge access
- Relatively new card with limited reviews