AXIS BANK SUPERMONEY RuPay Credit Card
Axis Bank · Open to apply
Lifetime-free RuPay card from super.money: 3% cashback on QR payments made through the super.money app by UPI (capped at the cashback earned on other spends in the cycle) and 1% on everything else, with a ₹400 fuel surcharge waiver.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- 1% cashback on all other qualifying spends, UPI outside super.money and non-UPI: 1% cashback (about 1% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 3% cashback on QR payments made through the super.money app (credit card on UPI): 3% cashback (about 3% at cash value)
Earns nothing on
- No cashback on repayments, utilities, telecom, fuel, jewellery, cash withdrawals, wallet loads, insurance, education, government, financial institutions, rent, EMI and gift cards
- No cashback on bridge, road and toll fees
Where the sources disagree
- fee on the card listing: Axis's card listing (2026-11-06) shows this card with joining fee ₹NIL, annual fee ₹500 and "Welcome benefits worth ₹350 upon card activation ... Best in class cashback on Myntra, Flipkart and Cleartrip", the Flipkart Axis Bank Credit Card's text. The product page, the cashback T&C, the KFS (₹0 and ₹0) and the MITC all say lifetime free with a 3% and 1% cashback. The listing entry is read as a copy error and ignored.
- over-limit charge: The product page's fee table shows "Over limit charge: 0". The MITC and KFS put 2.5% of the over-limit amount (minimum ₹500) on every card except Burgundy Private, Primus and Olympus, and say it applies only with the cardholder's consent. We use the MITC.
- fuel surcharge waiver wording: The cashback T&C of 2026-08-24 says the waiver is 1% (0.989% posted) on all fuel transactions; the T&C of 2026-09-29 splits it into 1% on UPI fuel payments and 0.989% on non-UPI payments. Both give ₹400 to ₹4,000 and ₹400 a statement cycle. The newer document is used.
Terms the calculator does not value
- The cap on the 3% super.money QR cashback (equal to the cashback earned on other spends in the cycle) is entered, but not its ₹100 floor (if the other cashback is under ₹100, the 3% line can still earn up to ₹100) nor the carry-forward of the excess as "surplus" for two statement cycles. For example, ₹10,000 of super.money QR (₹300) with ₹20,000 elsewhere (₹200) credits ₹200 and carries ₹100. The calculator therefore slightly undervalues the card for people with little spend outside super.money QR.
- The 3% needs payment through the super.money app by QR. It is the super.money payment route: the calculator counts it, on all UPI spend, only when that route is switched on, and otherwise values UPI at the 1% that payments through other apps earn.
- The T&C applies a ₹100 minimum per transaction ("all spends below INR 100 will not earn any cashback"); the calculator applies it at each spend line's typical payment.
Sources
- AXIS BANK SUPERMONEY RuPay Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- Cashback Terms & Conditions, AXIS BANK SUPERMONEY RuPay Credit Card (PDF created 2026-09-29) (Reward terms, the bank's own, read 6 Nov 2026)
- Cashback Terms & Conditions, AXIS BANK SUPERMONEY RuPay Credit Card (earlier version, PDF created 2026-08-24) (Reward terms, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Most Important Terms and Conditions (PDF created 2026-10-08) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Key Fact Sheet (last updated 2026-10-08) (Schedule of charges, the bank's own, read 6 Nov 2026)
- Revision of Axis Bank credit card T&C, effective 2026-08-28 (generic notice dated 2026-07-27) (Bank notice, the bank's own, read 6 Nov 2026)
- Axis Bank credit card listing (Supermoney entry repeats the Flipkart card's text and ₹500 annual fee) (Product page, the bank's own, read 6 Nov 2026)