Axis Bank super.money RuPay Credit Card
A mobile-first virtual credit product developed in partnership with Flipkart’s super.money fintech venture. Issued Lifetime Free on RuPay, it targets high-frequency daily QR scan transactions, delivering direct cashback on routine tea, street snacks, and neighborhood supermarket payments with instant digital onboarding.
Why We Recommend The Axis Bank super.money RuPay Credit Card
One of the fastest-growing digital RuPay cards in India, making everyday UPI merchant scans genuinely rewarding.
Gen-Z and digital-first spenders who use UPI QR codes for everyday tea, snacks, and groceries.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Axis Bank super.money RuPay Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹1.00 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Axis Bank super.money RuPay Credit Card
Zero hidden costs. Complete fee schedule verified with AXIS Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Axis Bank super.money RuPay Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Not available
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Axis Bank super.money RuPay Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Native RuPay credit on UPI integration.
Instant direct cashback on everyday micro-merchant payments.
100% Lifetime Free with zero hidden maintenance charges.
Pros & Cons of the Axis Bank super.money RuPay Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Zero annual recurring cost (Lifetime Free).
- Cashback drops directly without manual point redemption hurdles.
- Instant virtual issuance via super.money app.
Things to Consider (Cons)
- Accelerated cashback is dependent on scanning through the super.money app.
- No airport or railway lounge privileges.
- Monthly cashback capped at ₹500.
Who Can Apply for the Axis Bank super.money RuPay Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
680+ Score Recommended
Applicants with a credit score of 680 or higher enjoy fast-tracked approval and preferential credit limits from AXIS Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Axis Bank super.money RuPay Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the Axis Bank super.money RuPay Credit Card?
Check your pre-approved credit limit and instant approval eligibility across AXIS Bank with 100% paperless verification and zero score impact.