✅ The Axis Bank Super.money RuPay Credit Card earns 3% cashback on every UPI ‘Scan & Pay’ transaction via the super.money app.
✅ This is a domestic card on the RuPay network, the only credit card network directly linkable to UPI in India.
✅ No joining fee and no annual fee, making it a lifetime free credit card with zero extra costs.
✅ All other UPI and non-UPI spends earn 1% unlimited cashback, so every transaction contributes to your savings.
✅ A 1% fuel surcharge waiver applies on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle.
Why does the Utua team recommend the Axis Bank Super.money RuPay Credit Card?
UPI transformed the way India pays, but until recently none of those daily QR code transactions earned any rewards. The Axis Bank Super.money RuPay Credit Card was built precisely to close that gap, linking your credit limit directly to UPI so every eligible super.money payment earns 3% cashback. This co-branded partnership between Axis Bank and super.money, a Flipkart Group company, delivers a UPI-first credit solution fully aligned with Digital India.
The Utua team highlights that with the Axis Bank Super.money RuPay Credit Card, cashback is credited directly to your card account, removing the complexity of reward point redemption entirely. It is especially suitable for first-time credit card users who want a simple, transparent, and genuinely rewarding experience with no hidden fees or conditions to worry about.
UPI and RuPay Credit Card: how does this combination work?
UPI is a real-time payment system developed by NPCI that allows instant transfers through apps like super.money, PhonePe, or Google Pay using QR code scanning or UPI ID. The RuPay network is the only credit card network that supports direct UPI integration, meaning the Axis Bank Super.money RuPay Credit Card lets you pay at any merchant QR code using your credit limit, not your bank balance.
When you link the Axis Bank Super.money RuPay Credit Card to the super.money app and use ‘Scan & Pay’, you earn 3% cashback on that transaction while enjoying the full convenience of UPI. This turns the everyday habit of scanning a QR code into a consistent source of monthly savings, which is what makes this card genuinely different from any standard UPI payment experience.
Author’s opinion
The Axis Bank Super.money RuPay Credit Card is a natural fit for anyone who already uses UPI daily but has never earned anything in return, turning that existing habit into real cashback every month.
In the view of the Utua team, lifetime free access combined with a 3% UPI cashback rate makes the Axis Bank Super.money RuPay Credit Card one of the most competitive entry-level cards in India today, with zero financial risk to try.
Start earning cashback on every UPI payment you make!
If you use UPI every day and want those payments to work harder for you, the Axis Bank Super.money RuPay Credit Card could be exactly what you need. Click the button below to learn more and find out how to get yours.
