Every day we swipe, scan, and tap for everything from coffee runs to weekend shopping but our UPI payments rarely give us anything back. Recently, I heard about the Super.money SuperCard, which promises real cashback on every UPI transaction.
Sounds too good to be true, right?
Is this the new way to earn rewards from UPI payments, or just another hype product? Anyone using it how’s your experience so far?
What is the Super.money SuperCard?
Super.money is a new-age UPI + credit platform that claims to give real cashback on every spend. You can pay via UPI, get a SuperCard (by Axis or Utkarsh Bank), and earn cashback up to 5% on merchant UPI payments. It’s RBI/NPCI approved and partnered with trusted banks.
How It Works
- Link your bank in the Super.money app and pay merchants via UPI.
- Cashback applies only to merchant payments, not transfers to friends (P2P).
- With the Axis Super.money RuPay card, you get 3% cashback on UPI (via app) and 1% on other spends.
- Cashback is capped (around ₹500/month) and may expire if not redeemed in time.
Pros
- Lifetime free card options.
- Legit platform with Axis & Utkarsh partnerships.
- Works for both credit-building (FD-backed card) and daily UPI use.
- Seamless for frequent UPI users no extra steps.
Cons
- The “up to 5%” claim is often much lower in practice.
- Cashback limited to merchant spends; P2P excluded.
- Monthly caps & expiry rules apply.
- Offers may change anytime (users report devaluation over time).
Verdict
If you already use UPI daily from chai stalls to online shopping the Super.money app/card can give small but real cashback. Just don’t expect a full 5% on every spend.
Best for: active UPI users who want some return on everyday payments without fees.
Avoid if: you’re chasing high rewards or hate keeping track of cashback terms.