LIFETIME FREE RuPay 📡 Contactless NFC

Axis Supermoney Rupay Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

UPI power users and super.money app users wanting an unconditionally Lifetime Free RuPay credit card earning flat 3% cashback on daily merchant scan-and-pay transactions.

Who Should Avoid

Users seeking airport lounge visits or physical metal cards.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Instant digital onboarding with welcome cashback credited upon first UPI transaction

3% Cashback on SuperMoney App Spends

3% direct cashback on merchant transactions made via the super.money app (capped at ₹500 cashback per statement cycle).

Cashback on All UPI & Retail Spends

Earn cashback on all UPI QR and non-UPI retail purchases made with the card.

Lifetime Free Credit Card

Unconditionally Lifetime Free credit card with zero joining and annual fees.

💰 Reward Structure & Point Valuation

1 Direct Cashback = ₹1

Standard Base Earning

0.5% direct cashback on all other UPI and non-UPI retail purchases

Accelerated / Partner Rate

3% direct cashback on merchant transactions via super.money app (capped at ₹500 cashback per statement cycle)

Points Validity:Never Expire

Redemption Fee: ₹0 (Free)

Redemption Modes: Direct Bank Transfer via SuperMoney App, Instant UPI Cash Transfer

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access

🛫

Domestic Lounge VisitsNone

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Unconditionally Lifetime Free (LTF) credit card with zero joining and annual fees

UPI Payments Support✓ Supported (RuPay)

3% direct cashback on merchant transactions via super.money app

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹150/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 70 Years

Min. Monthly Income₹50,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (52.86% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the Axis Supermoney Rupay Card

Lifetime Free Card • Zero Annual Maintenance Charges

Personalized Card Matcher

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Frequently Asked Questions

Yes, the Axis Supermoney Rupay Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.