Axis Bank
Axis Bank SUPERMONEY RuPay Credit Card
Data last verified: 28 September 2026
- Joining feeFree
- Annual feeFree
- Reward rate1% on most spends; 3% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹400 a month
01Axis Bank SUPERMONEY RuPay Credit Card Rewards and Benefits
02Axis Bank SUPERMONEY RuPay Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹400 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- In your pocket each year₹2,400
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping only at QR scan-and-pay UPI via the super.money app: 3% back, up to ₹100 a month
- Anyone who wants no annual fee, ever
Skip it if…
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you rarely spend on QR scan-and-pay UPI via the super.money app: the 3% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How Axis Bank SUPERMONEY RuPay Credit Card earns Rewards
1% on most spends; 3% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | The card's normal rate |
| Online shopping | 1% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 3% | ₹100 | Only at: QR scan-and-pay UPI via the super.money appTerms: 3% cashback on QR scan-and-pay through the super.money app; other UPI earns 1%. Since Jan 2026 the flat ₹500-per-cycle total cap is gone; the 3% is instead capped at the cashback you earn from all other spends that cycle, floored at ₹100. Modelled at the ₹100 floor. Nothing under ₹100 earns. |
| Dining and food delivery | 1% | No cap | The card's normal rate |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1% cashback on all other eligible spends, including UPI through other apps, uncapped since Jan 2026; transactions under ₹100 do not earn
05Axis Bank SUPERMONEY RuPay Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver.
- Fuel surcharge waiver: 1% fuel surcharge waiver on ₹400 to ₹4,000 fuel transactions, max ₹400 per statement cycle (Axis posts the waiver as 0.989% of the original transaction; GST on it is not refunded)
06Axis Bank SUPERMONEY RuPay Credit Card Eligibility and Documents
Documents. PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)
07Recent Changes
What Axis Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 28 Aug 2026 | Reduced: Dynamic currency conversion markup more than doubles to 3.5%Source: Axis Bank | 1.5% + GST | 3.5% + GST |
| 28 Aug 2026 | Reduced: New top late-payment slab of Rs 1,300 above Rs 50,000Source: Axis Bank | ₹1,200 on any total payment due above ₹10,000 | ₹1,200 from ₹10,001 to ₹50,000; ₹1,300 above ₹50,000 |
| 28 Aug 2026 | Reduced: Tolls and road fees stop earning rewards; gift cards split into their own categorySource: Axis Bank | Bridge fees, road fees and tolls earned at the normal rate | No rewards or cashback on bridge fees, road fees and tolls |
| 1 Jan 2026 | Reduced: 3% super.money QR cashback throttled to 1× base earn; sub-₹100 spends excludedSource: Axis Bank | Bounded only by the ₹500 total cap | Capped at 1× the base cashback earned that cycle; sub-₹100 txns earn nothing |
| 1 Jan 2026 | Changed: Flat ₹500-per-cycle cashback cap removed, 1% base now uncappedSource: Axis Bank | Flat ₹500 per statement cycle (all cashback) | 1% base cashback uncapped |
See this card's change history → · All card changes in August 2026 →
08Cards Similar to Axis Bank SUPERMONEY RuPay Credit Card
Axis Bank SUPERMONEY RuPay Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Axis Bank SUPERMONEY RuPay Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | ₹999 + GST | ₹999 + GST |
| Annual fee | Lifetime free | ₹999 + GST | ₹999 + GST |
| Rewards | 1% on most spends; 3% only at partner merchants | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
09Explore More
Card facts last verified 28 September 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Axis Bank SUPERMONEY RuPay Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
What is the joining fee for the Axis Bank SUPERMONEY RuPay Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Axis Bank SUPERMONEY RuPay Credit Card?
The annual fee is Free.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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