What is the annual fee for Axis Bank SuperMoney RuPay Credit Card?

Axis Bank SuperMoney RuPay Credit Card is a lifetime free credit card.

What is the reward rate on Axis Bank SuperMoney RuPay Credit Card?

Axis Bank SuperMoney RuPay Credit Card offers 1% cashback on general spends. It also earns 1% on UPI payments.

Minimum income for Axis Bank SuperMoney RuPay Credit Card?

Minimum income required is ₹3.0 lakh per year.

Overview

Rewards

Fees

Score

Verdict

Axis Bank SuperMoney RuPay Credit Card Review 2026 — Rewards, Fees & Benefits | CardGenie | CardGenie

RuPay

Axis Bank

Axis Bank SuperMoney RuPay Credit Card

Lifetime free RuPay card with accelerated UPI cashback via super.money

Annual Fee

FREE

Reward

1% cashback

GenieScore

47/100

Expert

3.2/5★

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About this Card

The Axis Bank SuperMoney RuPay Credit Card is a zero-fee lifetime free credit card designed around the super.money UPI ecosystem. It rewards users with 3% cashback on QR-based UPI purchases made via the super.money app (capped at cashback from other spends) and 1% unlimited cashback on all other eligible UPI and non-UPI purchases. Best suited for users who actively transact via the super.money platform.

Key Features

💸

On super.money UPI QR spends (capped)

🔁

Unlimited on all other eligible spends

⛽

1% waiver on ₹400–₹4000 txns, ₹400/month cap

🆓

Zero joining & annual fee

📱

RuPay network — UPI credit card linking eligible

Pros

✓Zero joining and annual fee — truly lifetime free

✓3% cashback on super.money UPI QR transactions

✓1% unlimited cashback on all other eligible spends

✓1% fuel surcharge waiver up to ₹400/month

✓Works on RuPay network — compatible with UPI CC linking

Cons

✗3% cashback heavily capped — limited to cashback earned from other spends (or ₹100 floor)

✗Long list of exclusions: fuel, utility, insurance, rent, education, EMI, telecom, govt, jewelry, wallet loads

✗No lounge access benefits

✗No travel, dining, or lifestyle rewards

✗Cashback rounded down per transaction — small gains lost

✗Surplus cashback forfeited if not utilized within 2 cycles

✗All cashback forfeited on card cancellation or default

✗No forex benefit details mentioned — not positioned for international use

Quick Specs

💳Card TypeCashback

🌐NetworkRuPay

💰Annual FeeLifetime Free

🎯Base Reward1% cashback

✈️LoungeNot included

📱UPI Rewards1% on UPI

🌍Forex3.5% + GST

⛽Fuel WaiverAvailable

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Community Sentiment

NICHE

Niche card with limited community discussion; primarily relevant to super.money app ecosystem users

FAQ

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