Axis
Axis Supermoney Rupay Card
LIFETIME FREE Card
This is an invite only card
Top Benefits
Earn 3% Cashback
on UPI QR transactions via super.money app, capped at the total cashback earned from all other UPI and non-UPI spends; minimum cap of ₹100
3% Cashback on SuperMoney App
Spends on transactions using the Axis Bank SuperMoney RuPay Credit Card via the SuperMoney App, capped at ₹500 cashback per statement cycle
Best For
Shopping
UPI
The Axis Supermoney Rupay Card brings UPI payment convenience and credit card rewards together in a zer...
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The Axis Supermoney Rupay Card brings UPI payment convenience and credit card rewards together in a zer...
The Axis Supermoney Rupay Card brings UPI payment convenience and credit card rewards together in a zero-cost package. If you constantly scan QR codes for your daily expenses, this RuPay network card links directly to your preferred UPI applications to give you cashback on money you already spend. Built for budget-conscious spenders and digital-first users, it eliminates the stress of yearly charges by completely dropping the annual fee.
What makes this card stand out is its straightforward cashback approach. Instead of confusing reward points catalogues, the value you earn is automatically adjusted against your monthly statement. Whether you are a salaried professional or running your own business, this entry-level credit card offers a practical way to earn a return on your everyday transactions without forcing you to change your spending habits.
View FAQ
Commonly Asked Questions
Is the Axis Supermoney Rupay Card lifetime free?
Yes, this card comes with zero joining fees and zero annual fees. You do not have to worry about hitting specific spending targets to keep the card free.
Who should apply for this card?
This card is perfect for everyday shoppers who want to earn cashback on UPI payments. It is especially useful for beginners looking for a straightforward, no-fee credit card.
Can I use this card for UPI payments?
Yes, because it is issued on the RuPay network, you can link it to standard UPI applications. This allows you to scan merchant QR codes and pay using your credit limit.
Is this a good first credit card?
Absolutely. The zero annual fee and simple statement credit mechanism make it incredibly easy to manage. You only need a CRIF score of 750 and a monthly income of Rs. 50,000 to apply.
Expert Review
As a credit card expert, I view the Axis Supermoney Rupay Card as a highly practical entry-level tool for a very specific type of user. Its biggest strength lies in its zero-cost nature. Getting a RuPay card that links seamlessly to UPI apps without having to worry about a Rs. 499 or Rs. 999 annual fee takes the stress out of credit card management. The auto-credited statement cashback is another massive plus; you do not have to waste time logging into reward portals to convert points.
However, the card is not without its flaws. My main criticism is the heavy list of exclusions. Earning zero cashback on utility bills, insurance, and wallet loads significantly limits the card's earning potential for average household spenders. The 3% cap on the SuperMoney App is also quite low at Rs. 500, meaning you max out the best benefit very quickly each month.
In conclusion, if you want a reliable, no-fee card exclusively to scan-and-pay for groceries and dining via UPI, the Axis Supermoney is an excellent addition to your wallet. But if you want a primary card that rewards you for heavy household expenses like electricity, tuition fees, and rent, you will need to look for a more robust, fee-bearing alternative.
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
One of the most attractive aspects of the Axis Supermoney Rupay Card is its pricing model. Unlike premi...
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One of the most attractive aspects of the Axis Supermoney Rupay Card is its pricing model. Unlike premi...
One of the most attractive aspects of the Axis Supermoney Rupay Card is its pricing model. Unlike premium cards that charge heavy upfront and recurring fees, this card operates on a zero-fee structure, making it incredibly cost-effective to hold in your wallet over the long term.
The bank charges a joining fee of Rs. 0. This means you pay absolutely nothing to acquire the card, and there are no hidden onboarding charges on your first statement. Since there is no joining fee, you do not have to worry about complex welcome bonus offsets to justify the initial cost.
Furthermore, the annual fee is also Rs. 0. Because the bank does not charge a yearly renewal fee, there are no complicated annual spending milestones to memorize. You do not have to force yourself to spend Rs. 1 Lakh or Rs. 2 Lakhs a year just to trigger a fee waiver. You can use the card as frequently or as infrequently as you like without the pressure of an impending yearly charge.
View FAQ
Commonly Asked Questions
What is the joining fee for this card?
The joining fee is Rs. 0. You do not have to pay any upfront charges to get this credit card issued.
What is the annual or renewal fee?
The annual renewal fee is also Rs. 0. The card remains free to hold year after year without any recurring membership charges.
Is there an annual fee waiver based on my spending?
Because the annual fee is already zero, there is no need for a fee waiver mechanism. You do not have to meet any annual spending targets to keep the card free.
Are there any hidden charges if the card is free?
While holding the card is free, standard banking charges like late payment fees, forex markups, and interest charges will apply if you default on payments or use specific services.
Does the zero fee policy apply for the lifetime of the card?
Yes, with zero joining and zero annual fees, this essentially functions as a lifetime free credit card under the current pricing structure.
Is there a welcome bonus to offset the joining fee?
Since there is no joining fee to offset, this card does not offer specific welcome benefits or sign-up bonuses upon activation.
If I don't use the card for 6 months, will I be charged a fee?
While no inactivity fees are charged, the bank closes accounts after 12 months of zero activity. Ensure you make at least one transaction annually to keep the card active.
Do I have to pay for an add-on card?
Add-on cards are available for immediate family members at zero joining and annual fees, matching the primary card’s lifetime free benefits.
Eligibility
Age
Criteria*
21-70 years
Salary
Criteria*
6LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
Understanding the bank requirements before you apply saves time and protects your credit score from unn...
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Understanding the bank requirements before you apply saves time and protects your credit score from unn...
Understanding the bank requirements before you apply saves time and protects your credit score from unnecessary hard inquiries. The Axis Supermoney Rupay Card maintains straightforward eligibility standards designed for working professionals and business owners with an established credit history.
The primary applicant must be between 21 and 70 years of age at the time of application. This age bracket applies equally to both salaried employees and self-employed individuals. A strong credit history is mandatory, as the bank requires a minimum CRIF score of 750 for approval. A good credit score proves you have a reliable track record of handling past loans or credit cards.
Income requirements are accessible for mid-level earners. Both salaried and self-employed applicants must demonstrate a minimum monthly income of Rs. 50,000. This translates to a minimum annual income requirement of Rs. 6 Lakhs. If your verified income falls below this threshold, the bank system will likely reject the application.
- Age limit: 21 to 70 years
- Employment type: Both salaried and self-employed
- Credit score requirement: Minimum CRIF score of 750
- Minimum monthly income: Rs. 50,000
- Minimum annual income: Rs. 6 Lakhs
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary cardholder must be at least 21 years old at the time of application to be eligible for this credit card.
What is the maximum age limit for applicants?
The upper age limit is set at 70 years. Applicants older than 70 will not meet the bank's standard criteria.
What is the minimum salary required for salaried professionals?
Salaried individuals need a minimum monthly income of Rs. 50,000. This equals an annual package of Rs. 6 Lakhs to qualify for approval.
What is the minimum income for self-employed individuals?
Self-employed applicants, such as freelancers or business owners, must also show a minimum annual income of Rs. 6 Lakhs.
Can self-employed individuals apply for this card?
Yes, the card is open to both salaried and self-employed individuals, provided they meet the age and income thresholds.
What credit score is needed for approval?
A minimum CRIF score of 750 is strictly required as per the bank's eligibility criteria to process your application successfully.
Will my application be rejected if my CRIF score is below 750?
Yes, because the bank explicitly mandates a score of 750 or above, applying with a lower score will likely result in an automatic rejection.
Do I need an existing relationship with Axis Bank?
An existing relationship with Axis Bank is not mandatory; meeting the income and credit score criteria ensures your eligibility for an independent application.
Can students apply for this card?
Unless a student meets the 21-year age minimum, the Rs. 50,000 monthly income requirement, and has a 750 CRIF score, they will not qualify.
All Card Benefits
- Earn 3% cashback on UPI QR transactions via super.money app (capped at total cashback earned from all other UPI & non-UPI spends in the same statement cycle; minimum cap of ₹100)
- Earn 1% cashback on all other eligible UPI and non-UPI spends
Accelerated Cashback on SuperMoney App
Your highest earning potential comes from using the dedicated...
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Accelerated Cashback on SuperMoney App Your highest earning potential comes from using the dedicated...
Accelerated Cashback on SuperMoney App
Your highest earning potential comes from using the dedicated ecosystem. You earn 3% cashback on transactions made using your credit card via the SuperMoney App. This accelerated rate is capped at Rs. 500 per statement cycle. For example, if you spend Rs. 10,000 through the app in a month, you will earn Rs. 300 in cashback. To hit the maximum monthly cap of Rs. 500, you would need to spend roughly Rs. 16,667 through the SuperMoney App. This makes it an excellent choice for targeted monthly household expenses.
Standard Reward Points Structure
For all other spending outside the primary app ecosystem, the card offers a flat 1% cashback on eligible transactions. This applies to your regular retail shopping, dining out, and online purchases across various platforms. The structure is simple: if you spend Rs. 20,000 on a new smartphone online, you will automatically earn Rs. 200 in cashback. Since the reward comes as direct statement credit, you never have to calculate point conversion values or worry about redeeming points before they expire.
Fuel Surcharge Waiver
Driving and commuting costs add up quickly, but this card helps soften the blow at the petrol pump. You receive a 1% fuel surcharge waiver on transactions made at fuel stations anywhere in India. To qualify for the waiver, your individual fuel transaction must be between Rs. 400 and Rs. 4,000. The maximum waiver you can get is Rs. 400 per statement cycle. For example, if you fill up your tank for Rs. 2,000, the Rs. 20 surcharge is waived. To hit the Rs. 400 monthly cap, you would need to spend Rs. 40,000 on fuel in a month.
View FAQ
Commonly Asked Questions
How much cashback do I earn on the SuperMoney App?
You earn a solid 3% cashback on eligible transactions processed through the SuperMoney App using this card. For example, a Rs. 5,000 payment earns you Rs. 150 back.
Is there a limit to the 3% cashback?
Yes, the 3% cashback category is capped at Rs. 500 per statement cycle. Once you reach this limit, further spending may earn the standard base rate.
How much do I need to spend to maximize the 3% category?
You maximize the Rs. 500 cap when you spend approximately Rs. 16,667 through the SuperMoney App in a single billing month.
Do all app transactions qualify for the 3% rate?
Most standard purchases qualify, but standard bank exclusions apply. Transactions like utility bills or wallet loads processed through the app will not earn cashback.
Do I need to download a separate app for this benefit?
Yes, you must process the payments specifically through the SuperMoney App to trigger the 3% accelerated cashback rate.
What is the standard reward rate on this card?
You earn a flat 1% cashback on all eligible retail and online spends outside the SuperMoney App. This means every Rs. 100 spent gives you Re. 1 back.
Is there a monthly cap on the 1% cashback category?
There is no separate monthly cap for the 1% base rate category, ensuring you earn unlimited cashback on all eligible retail spends.
How do I receive the 1% cashback?
This is a true cashback card, meaning the 1% you earn is automatically adjusted against your monthly statement balance, reducing the total amount you owe.
Do I earn cashback on grocery shopping?
Yes, regular grocery purchases at supermarkets or online delivery apps will earn the standard 1% cashback, provided they are not processed under an excluded merchant category.
If I spend Rs. 50,000 offline, how much do I earn?
A Rs. 50,000 eligible offline spend at the 1% rate will earn you exactly Rs. 500 in cashback for that billing cycle.
Are there special categories that earn more than 1%?
The only accelerated category is the 3% cashback offered specifically on the SuperMoney App. All other eligible spends earn the flat 1% rate.
Do online and offline purchases earn the same rate?
Yes, whether you swipe the card at a physical store or enter the details on an e-commerce website, you earn the same 1% base cashback.
Do I get cashback on EMI conversions?
No, EMI transactions are part of the bank's exclusion list. Purchases converted into monthly installments will not earn any cashback.
Can I earn cashback on international purchases?
Yes, standard eligible international purchases earn 1% cashback, but keep in mind you will also be charged a 3.5% forex markup fee on the transaction.
When is the cashback credited to my account?
The cashback you accumulate throughout your billing cycle is calculated and posted directly to your upcoming monthly credit card statement.
Does this card offer a fuel surcharge waiver?
Yes, you enjoy a 1% fuel surcharge waiver at all petrol pumps across India when you use this card.
What is the minimum fuel purchase required for the waiver?
Your fuel transaction must be at least Rs. 400 to qualify. Swipes below this amount will attract the standard surcharge.
Is there a maximum limit per fuel swipe?
Yes, the maximum eligible transaction amount for the waiver is Rs. 4,000. Purchases above this amount may not receive the waiver on the excess portion.
What is the maximum fuel benefit I can get per month?
The bank caps the fuel surcharge waiver at Rs. 400 per statement cycle. Once you save Rs. 400, subsequent fuel purchases will include the surcharge.
Do I also earn 1% cashback on fuel purchases?
No, fuel spends are strictly excluded from earning regular cashback. You only receive the surcharge waiver on these transactions.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, and the cashback is adjusted in your monthly statement.
To check redemption catalogue
N/A
One of the best features of the Axis Supermoney Rupay Card is that it completely removes the friction o...
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One of the best features of the Axis Supermoney Rupay Card is that it completely removes the friction o...
One of the best features of the Axis Supermoney Rupay Card is that it completely removes the friction of the redemption process. You do not need to log into a separate rewards portal, browse through product catalogues, or worry about conversion ratios. This card operates on a pure statement credit mechanism.
The 3% cashback from the SuperMoney App and the 1% base cashback from other eligible spends are calculated at the end of your billing cycle. This total cashback amount is then automatically adjusted against your upcoming monthly credit card statement. For example, if your total bill is Rs. 15,000 and you earned Rs. 350 in cashback over the month, the bank will automatically credit Rs. 350 to your account, meaning you only have to pay Rs. 14,650 out of pocket. Because of this automated system, there is no manual redemption process required.
View FAQ
Commonly Asked Questions
How do I manually redeem my earned cashback?
You do not need to do anything. This is a cashback card, and the cashback is automatically adjusted in your monthly statement without any manual intervention.
Is there a fee to redeem my cashback?
No fee is charged when redeeming reward points on this card. The auto-credit process is completely free of cost.
Can I use my cashback to book flights or buy vouchers?
No, this card does not feature a redemption catalogue for products or travel. All earnings are strictly provided as a direct statement credit.
When does the cashback reflect in my account?
The accumulated cashback for a billing cycle is adjusted and reflected when your monthly credit card statement is generated.
Do I need a minimum cashback balance before it is credited?
The automated credit process applies to every rupee of cashback earned, with no minimum threshold required for the amount to reflect in your statement.
Will my cashback expire if I do not use the card?
Since cashback is automatically credited to your statement every month, you do not have to worry about your rewards expiring over time.
Can the statement credit be transferred to my bank savings account?
No, the cashback is only used to offset your outstanding credit card bill and cannot be withdrawn as hard cash to a savings account.
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Utility Bills
Fuel Spends
Cash Withdrawal
Wallet Load
Insurance Services
Education Services
Government Services
Financial Institutions
Rental Payments
EMI Transactions
Telecom
Jewelry
For Spends Waiver
Utility Bills
Fuel Spends
Cash Withdrawal
Wallet Load
Insurance Services
Education Services
Government Services
Financial Institutions
Rental Payments
EMI Transactions
Telecom
Jewelry
To maximize your rewards, it is crucial to understand which transactions will yield zero returns. The b...
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To maximize your rewards, it is crucial to understand which transactions will yield zero returns. The b...
To maximize your rewards, it is crucial to understand which transactions will yield zero returns. The bank maintains a strict list of merchant categories that are excluded from earning the 1% base rate or the 3% accelerated cashback.
Spends on Utility Bills, Fuel Spends, and Cash Withdrawals are excluded. Loading money into digital wallets (Wallet Load) or paying for Insurance Services and Education Services will also yield zero rewards. Furthermore, payments for Government Services, Financial Institutions, Rental Payments, EMI Transactions, Telecom, and Jewelry do not qualify. For instance, if you use the card to pay a Rs. 20,000 house rent or a Rs. 15,000 school fee, you will not earn the expected Rs. 200 or Rs. 150 cashback. These transactions simply add to your outstanding balance without offering any financial return.
View FAQ
Commonly Asked Questions
Will I earn cashback if I pay my electricity bill with this card?
No, utility bills are specifically excluded from earning any cashback on this card.
Does paying rent via credit card earn rewards?
No, rental payments are on the exclusion list and will not earn cashback. Additionally, rent payments attract a 1% processing fee.
Do I get cashback on buying gold or jewelry?
No, transactions made at jewelry stores or for precious metals are completely excluded from the reward program.
Can I earn rewards by loading my digital wallet?
No, wallet load transactions do not qualify as eligible retail spends and will not generate any cashback.
Do my life insurance premiums earn the 1% base rate?
No, payments made towards insurance services are excluded and yield zero cashback.
What happens if I convert a large purchase into an EMI?
EMI transactions are excluded. The moment you convert a retail purchase into an EMI, it loses its eligibility to earn cashback.
Do I earn rewards on school or college fee payments?
No, all education services are part of the bank's exclusion list and will not earn rewards.
If an excluded transaction doesn't earn cashback, is it still approved?
Yes, the transaction will process normally and deduct from your credit limit; it simply won't generate any statement credit at the end of the month.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees Finance charges of 3.75% per month (55.55% per annum) apply on unpaid outstanding balances until the amount is fully repaid. | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges. | As prescribed by IRCTC / Indian Railways |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees No cheque payment fee is charged | Not Applicable |
Cash Payment Fees ₹175 cash payment fee per deposit. | ₹175 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹750 |
| ₹10000 and above | ₹1200 |
While the Axis Supermoney Rupay Card is celebrated for its zero annual maintenance costs, it is still a...
Read MoreRead Less
While the Axis Supermoney Rupay Card is celebrated for its zero annual maintenance costs, it is still a...
While the Axis Supermoney Rupay Card is celebrated for its zero annual maintenance costs, it is still a financial product that carries standard bank penalty charges. Understanding these fees ensures you do not accidentally wipe out the cashback you have worked hard to earn.
The joining fee is Rs. 0. You pay nothing to get this card issued, meaning you start your credit journey without having to offset any initial costs. Because there is no fee, the bank does not provide a welcome bonus voucher.
The annual or renewal fee is also Rs. 0. This zero-fee structure applies indefinitely, meaning you never have to track your yearly spends. You do not need to spend a specific amount like Rs. 1 Lakh or Rs. 2 Lakhs to secure a fee waiver for the next year.
The bank charges a monthly interest rate (APR) of 3.75%. Credit cards allow you an interest-free payment period of 20-55 days. However, if you fail to make full payment for your statement in due time, the bank starts charging interest. A simple way to avoid heavy interest rates over a long time is to convert your large spends into EMIs. Normally the bank charges 16% p.a. interest on EMIs, however, if you fail to pay on time, the annual interest can reach up to 45%. For example, if you roll over an unpaid balance of Rs. 10,000, you will be hit with roughly Rs. 375 in interest charges in just one month, which instantly erodes your cashback earnings.
Late payment charges vary based on your outstanding balance. The fee is Rs. 0 for balances up to Rs. 100. It increases to Rs. 100 for balances between Rs. 101 and Rs. 500; Rs. 500 for balances up to Rs. 5,000; Rs. 600 for balances up to Rs. 10,000; Rs. 800 up to Rs. 25,000; Rs. 1,000 up to Rs. 50,000; and Rs. 1,200 for balances above Rs. 50,000. For instance, if you miss the due date on a statement balance of Rs. 3,000, the bank will levy a flat Rs. 500 late fee on your next bill.
A 3.5% forex markup is charged on transactions made in currencies other than INR. This applies to international POS payments and online purchases charged in foreign currency. For example, if you spend Rs. 10,000 equivalent on an international website, you will be charged a forex fee of Rs. 350 on top of the purchase price.
ATM cash withdrawals attract a fee of 2.5% of the withdrawn amount, subject to a minimum charge of Rs. 500. This makes withdrawing cash incredibly expensive. If you withdraw Rs. 10,000 from an ATM, the 2.5% fee is Rs. 250, but because the minimum fee is Rs. 500, you will be charged Rs. 500 directly on your next statement.
Rent payments incur a 1% convenience fee. This fee is calculated on the transaction amount and is subject to applicable GST and platform charges. If you use this card to pay a monthly house rent of Rs. 20,000, the bank adds a Rs. 200 fee to your bill. Since rent does not earn cashback, this transaction results in a net loss.
A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. If you book a Rs. 2,000 train ticket via IRCTC online, expect a surcharge of Rs. 36 added to your card balance.
A flat fee of Rs. 100 will be charged for all credit card bill payments done via Cash. If you choose to walk into a bank branch and hand over Rs. 5,000 in physical cash to clear your bill, Rs. 100 will be added to your next statement as a processing charge. It is always better to pay online.
Cheque bounce charges are steep, set at 2% of the cheque bounce amount, subject to a minimum charge of Rs. 500. If you write a cheque for Rs. 30,000 to pay your bill and it bounces due to insufficient funds, the bank will hit you with a Rs. 600 penalty fee.
Reward redemption fees are Not Applicable on this card. Because the cashback is automatically adjusted against your statement, no fee is charged when redeeming reward points on this card. You get to keep 100% of the value you earn.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 0 |
| Annual / Renewal Fee | Rs. 0 |
| Interest Rate (APR) | 3.75% per month (approx. 45% annually) |
| Late Payment Fee | Rs. 0 to Rs. 1,200 depending on balance slab |
| Forex Markup Fee | 3.5% |
| Cash Withdrawal Fee | 2.5% (Minimum Rs. 500) |
| Rent Payment Fee | 1% of transaction amount |
| Railway Booking Surcharge | 1.80% online, 2.50% offline |
| Cash Payment Fee | Rs. 100 per payment |
| Cheque Bounce Fee | 2% of amount (Minimum Rs. 500) |
| Reward Redemption Fee | Nil |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 0. You do not have to pay any onboarding charges to get the card.
What is the annual or renewal fee?
The annual fee is Rs. 0. The card does not carry yearly maintenance charges.
Is there an annual fee waiver based on spending?
Since the annual fee is already zero, you do not need to hit any spending milestones to earn a fee waiver.
How can I get this card lifetime free?
The card comes naturally as a lifetime free offering out of the box because both the joining and annual fees are permanently set to zero.
What is the interest rate (APR) if I don't pay my full balance?
The bank charges a high interest rate of 3.75% per month. Annually, this compounds to roughly 45%.
How is the interest calculated on outstanding balances?
If you fail to pay your total due by the payment deadline, the 3.75% monthly interest is applied to your entire balance from the date of each purchase until you clear the debt.
What are the late payment charges?
Late payment fees range from Rs. 0 to Rs. 1,200. The exact amount depends entirely on how much statement balance you left unpaid.
Is the late payment fee different based on outstanding amount?
Yes, it is slab-based. A balance under Rs. 100 incurs zero fees, while a large unpaid balance over Rs. 50,000 will attract the maximum Rs. 1,200 penalty.
What is the forex markup for international transactions?
A 3.5% forex markup fee is charged on any transaction processed in a currency other than Indian Rupees.
Can I withdraw cash using my credit card?
Yes, but it is highly discouraged. A steep fee of 2.5% of the withdrawn amount applies to all cash advances.
What are the cash withdrawal charges and limits?
The fee is 2.5%, but there is a strict minimum charge of Rs. 500. Even if you withdraw a tiny amount, you will still be billed Rs. 500.
Are there fees for paying rent with this card?
Yes, a flat 1% convenience fee is applied to the transaction amount whenever you use this card for rental payments.
Is there a fee for paying my bill in cash?
Yes, if you choose to pay your credit card bill over the counter using physical cash, the bank charges a Rs. 100 processing fee.
What are the charges for cheque payment of bills?
There is no direct fee for paying by cheque, but if that cheque bounces, you will be penalized heavily.
What happens if my payment cheque bounces?
The bank levies a cheque return fee of 2% of the bounce amount, with a minimum guaranteed penalty of Rs. 500.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
What identity proof is required for this card?
You must provide a valid PAN card. During Video KYC, you will need to display the original physical PAN card to the bank agent.
What address proof is accepted?
Your Aadhaar card is the primary and most accepted address proof. Ensure your current address matches the address linked to your Aadhaar.
Do I need to submit income proof as a salaried employee?
Yes, the bank may ask for your latest 2-3 months' salary slips or recent bank statements showing salary credits to verify your Rs. 50,000 monthly income.
What income proof is required if I am self-employed?
Self-employed applicants must provide their latest Income Tax Returns (ITR) and computation of income to prove they meet the Rs. 6 Lakh annual threshold.
Do I need to submit a photograph?
If applying via Video KYC, the agent captures a live photo. For offline applications, standard passport-sized photographs are required.
Can I use a passport as address proof?
Yes, a valid passport is an official document for both address and identity proof and is accepted as a primary alternative to Aadhaar.
What happens if my current address is different from my Aadhaar address?
If your current address differs, you may need to provide additional verifiable address proofs like recent utility bills or a valid rent agreement.
Who Should Get This Card?
If you are someone who relies heavily on your smartphone for daily transactions, this card is built for you. The ideal user is a digital-first spender who makes numerous small-ticket purchases at local merchants using QR codes. Because there is zero annual fee, it acts as a perfect secondary card dedicated purely to UPI spends, allowing you to keep your primary bank account clean while earning an easy 1% to 3% back.
However, if you are a frequent traveler looking for lounge access, an online shopper hunting for 5% flat cashback across e-commerce giants, or someone who primarily spends on utility bills and insurance, you should skip this card. The strict exclusion list and lack of premium lifestyle perks mean heavy spenders will find better value in premium, fee-bearing cards.
Credit Limit and What to Expect
Your credit limit is determined dynamically by the bank's underwriting team based on your income profile and credit history. While there is no fixed limit assigned to every cardholder, meeting the Rs. 50,000 monthly income and 750 CRIF score requirement results in a practical starting limit suitable for daily UPI transactions.
View FAQ
Commonly Asked Questions
What will be my starting credit limit?
Your credit limit is based on your Rs. 6 Lakh annual income and credit profile, often ranging from Rs. 50,000 to Rs. 2,00,000 for this card tier. You will receive your specific limit details in your welcome kit.
Can I request a higher credit limit later?
Yes, if you consistently pay your bills on time and your income increases, the bank may offer periodic limit enhancements.
Will linking this card to UPI affect my credit limit?
Every UPI transaction you make using this credit card will deduct directly from your total available credit limit.
What happens if I spend more than my credit limit?
Transactions exceeding your limit are declined or incur a penalty fee of 2.5% of the over-limit amount, subject to a minimum of Rs. 500.
Is the credit limit shared with add-on cards?
Yes, if you hold add-on cards for family members, their spending draws from your primary credit limit.
How can I check my available credit limit?
You can instantly check your available balance through the bank's mobile app, internet banking portal, or by sending an SMS to the bank's designated number.
How to Apply?
The application journey for this credit card is entirely digital and streamlined for quick processing. You can initiate your application through the official bank website or trusted partner platforms. Ensure you have your financial details handy before you begin.
First, you will fill out a basic form verifying your age, employment type, and monthly income. Once the system runs a soft credit check to confirm your CRIF score is at least 750, you will proceed to the Video KYC stage. Video KYC allows you to verify your identity from your home without visiting a physical bank branch.
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Commonly Asked Questions
Where can I apply for this credit card?
You can apply directly on the official bank website, through the SuperMoney App, or via authorized online financial partner platforms.
Can I apply completely online?
Yes, the entire process, from submitting your details to verifying your identity via Video KYC, can be completed digitally.
What is Video KYC?
Video KYC is a live video call with a bank agent where you display your original PAN card to verify your identity without visiting a branch.
How long does the approval process take?
Digital applications with successful Video KYC are approved within 3 to 7 working days.
How can I track my application status?
You will receive an Application Reference Number via SMS and email, which you can use on the bank's tracking portal to check your status.
What happens if my Video KYC gets disconnected?
If your internet drops during the call, you can usually restart the Video KYC process using the link sent to your registered email or mobile number.
That’s the full story of this credit card
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Top Benefits
Top Benefits
Earn 3% Cashback
on UPI QR transactions via super.money app, capped at the total cashback earned from all other UPI and non-UPI spends; minimum cap of ₹100
3% Cashback on SuperMoney App
Spends on transactions using the Axis Bank SuperMoney RuPay Credit Card via the SuperMoney App, capped at ₹500 cashback per statement cycle
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