Best Rupay Credit Card 2025 | Best UPI Credit Card | Super Money Credit Card

Apply For SuperMoney Credit Card

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The SuperMoney Credit Card, officially known as the Axis Bank SuperMoney RuPay Credit Card, is a no-annual-fee, lifetime-free offering aimed at everyday digital users in India.

It delivers flat-rate cashback—3 % on UPI/QR payments made via the super.money app, and 1 % on all other eligible card spends. Cashback earnings are capped at ₹500 per billing cycle

Additionally, the card provides a 1 % fuel surcharge waiver (up to ₹400 monthly) and exclusive merchant offers on platforms like Ola, Myntra, and MakeMyTrip

Targeted at India's “digital-first” consumers, it simplifies rewards by crediting cashback directly to the card account—no complex points systems or redemptions

This makes it especially suitable for young professionals, first‑time card users, students, and budget-conscious UPI enthusiasts.

However, there are some limitations. The 3 % cashback applies only to transactions routed via the super.money app—not on other UPI platforms like Google Pay or PhonePe . The ₹500 monthly cap means it’s optimized for moderate spending, and as a RuPay card, its international acceptance may be limited
In summary, the SuperMoney Card offers a straightforward, fee‑free cashback solution for daily digital spends—particularly UPI transactions—making it a smart, low‑cost option for frequent UPI users or those just starting their credit‑building journey.

A UPI credit card is a new-age financial product that combines the benefits of traditional credit cards with the convenience of the Unified Payments Interface (UPI). Unlike conventional credit cards that require swiping or tapping, UPI credit cards allow users to make payments directly through UPI-enabled apps like BHIM, Paytm, or PhonePe using their mobile phones. Linked to the RuPay network, these cards offer seamless credit-based transactions via QR codes, eliminating the need to carry physical cards. Users can enjoy features such as interest-free periods, reward points, cashback offers, and secure digital payments, all while building their credit profile. This innovation enhances financial inclusion by making credit more accessible, especially for younger, tech-savvy consumers and small merchants.

Видео Best Rupay Credit Card 2025 | Best UPI Credit Card | Super Money Credit Card канала XY- Axis Education