Axis SuperMoney RuPay
Issuer Regulated by RBI
Axis Bank logo
Axis Bank

Axis SuperMoney RuPay

Earn rewards and benefits with Axis SuperMoney RuPay.

RuPay
Co-branded
68
Overall CardCheck ScoreGood

Beginner & Zero Fee Fit Score

94/100

Best for: UPI cashback, everyday cashback spends

Joining Fee

Free

Annual Fee

Free

Reward Rate (%)

1 – 3

Statement credit

Forex Markup

3.5%

Community
(0)
Your Rating

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Reward Power

27/35

Fee Value & ROI

25/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category
Zero Fee & Starter
94/100
RuPay UPI Payments
88/100
Cashback Spends
85/100
Online Shopping
84/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

Axis SuperMoney RuPay Benefits

3% cashback on eligible UPI spends via super.money app
1% cashback on other eligible spends
No joining or annual fee
Fuel surcharge waiver

Axis SuperMoney RuPay Rewards

How you earn back on every swipe

cashback

Reward type

1% – 3%

Earn rate

₹500

Monthly cap

₹500

Monthly cap

Axis SuperMoney RuPay Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).

Joining feeFree
Annual feeFree
Interest rate (APR)45%
Late payment fee (max)₹1,200
Cash advance fee2.5% (min ₹500)
Forex markup3.5%
Fuel surcharge waiverYes (₹400–₹4000)

Things to Keep in Mind

  • restricted merchant categories
  • rent
  • insurance
  • education
  • utility
  • jewelry
  • wallet loads
  • transactions below ₹100

Card Features

Metal Card
Contactless
UPI Linked
Lifetime Free

🎉 Zero Annual Fee — 100% Net Profit

Axis SuperMoney RuPay has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Axis SuperMoney RuPay Eligibility

CIBIL scoreCardCheck Estimate
720+

Employment type

SalariedSelf employed

Invite only — You typically need an existing relationship with Axis Bank to get this card.

Pros & Cons

Pros
  • Lifetime free
  • High UPI cashback
  • Simple direct cashback credit
  • UPI card support
Cons
  • Cashback capped on super.money UPI spends under current terms
  • No cashback on restricted merchant categories
  • Foreign currency markup is high at 3.5%

Quick Links

Data last updated 14 Aug 2026

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