Axis Bank
Axis Bank SuperMoney RuPay Credit Card
Annual Fee
Lifetime FreeBase Reward
1% cashback
Foreign Markup
3.5%
Product Highlights
- Lifetime free offering
- 3% cashback on UPI spends via super.money
- 1% cashback on all other spends
Merchant-Specific Rewards
super.money app
3% cashback on UPI via super.money app
Reward Calculator
Earns ₹2,280/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
₹2.3K
direct cashback
₹2.3K
via direct credit
Effective rate
1.46%
Annual fee
FREE
Year 1 net
+₹2,280
Year 2+ net
+₹2,280
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%Kicks in after ₹10,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹25,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 3% cashback on UPI spends via the super.money app and 1% cashback on all other qualifying spends.
Redemption
Cashback is Credited Against Statement at a 1:1 Ratio
Benefits & Features
1% Waiver for Fuel Transactions Between ₹400 and ₹4,000. Maximum Waiver of ₹400 Each Statement Cycle
Pros & Cons
Pros
- Lifetime free offering
- 1% cashback on all non-UPI spending made with the card
Cons
- No lounge access or travel benefits
- Cashback on super.money UPI spends is restricted
Additional Info
Cashback from super.money UPI payments cannot exceed cashback from all other UPI and non-UPI spends in the same month.
Excluded Categories
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Fees & Charges
Eligibility
Networks