SuperCard Pro Credit Card: Joining Bonus ₹500 + Flat 3% Cashback

Rupay cards are gaining momentum for two main reasons. First, they let you make merchant UPI payments around you, online and offline. Second, the rewards you get on Rupay-based UPI payments are higher compared to traditional UPI payments via a bank.

In fact, Rupay-based UPI payments are growing at eight times the rate of traditional UPI payments. A big part of this is the government’s push for a cashless economy. In 2023, Rupay’s market share was just 3%, but it jumped to 12% in just a year. The credit goes to the reward programs being run by startups for making UPI payments via credit cards. Popular UPI apps like Kiwi and Jupiter even offer a flat 2% cashback on every transaction.

SuperCard Pro

Super Card Pro is a Rupay credit card, launched in association with Axis Bank. It offers flat 3% cashback on UPI payments made via Super.money app. The card can be applied through Super.money app, and is available on a non-FD basis.

Features of SuperMoney Rupay Credit Card

• Flat 3% cashback on UPI payments
• 1% cashback on other transactions (non-UPI)
• Physical card
• Lifetime free
• 100% fuel surcharge waiver
• Special cashback offers on popular merchants like Ola, Myntra, MakeMyTrip & more

How to Apply

• Download the Super.money app (skip this if you already have it).

Apply For SuperCard Pro

• Launch the app, and you’ll see the Super Card Pro banner on the homepage.
• Click on the banner to start your application.
• Click on “Get Super Card Pro.”
• You might see an FD-based application option. If there’s an option to apply without an FD, check your eligibility by providing your income details.
• If you’re eligible, complete the process.

Cashback Policy

There are a couple of things to note about the cashback. Cashback is only provided when the minimum payment is ₹100. This might be a drawback for some, but most UPI cards don’t offer flat cashback on transactions below ₹100 anyway.

Additionally, you’ll only receive up to ₹500 in cashback per cycle. Super.money initially partnered with Utkarsh Small Finance Bank, and now they’ve rolled out these new cards with Axis Bank. Overall, this card is a good option for daily UPI spenders.

You get different cashback rates depending on where you spend:

• 3% Cashback: When you make payments using your card through the Super.money Platform.
• 1% Cashback: On all other spending (non-UPI or not through the Super.money app).
• You can earn a maximum of ₹500 in cashback per billing cycle (which is usually a month). So, no matter how much you spend, you won’t get more than ₹500 back.

What Spending DOESN’T Get You Cashback

These types of transactions will not earn you any cashback: Fuel, jewellery, cash withdrawal, EMI transactions, insurance, rent payments, wallet loads, education, government services, utilities, gold related, other Financial Services

Example of How Cashback is Calculated:

Let’s say in a month (billing cycle):

• You spend ₹10,000 on UPI through the Super.money app (3% cashback).
• You spend ₹10,000 on other things (non-UPI, 1% cashback).
• You also convert ₹10,000 into EMIs (no cashback).

Your cashback calculation would be:

• ₹2,0000 (Super.money UPI) x 3% = ₹600
• ₹1,0000 (other spends) x 1% = ₹100
• Total cashback = ₹600 + ₹100 = ₹700

Even though the total cashback is ₹700. You will receive only ₹500 as there’s a cap of ₹500 per statement cycle.

Our Take: Is the Super Card Pro Worth the Hype?

In terms of cashback on UPI spends, it is the highest-rewarding credit card to date. The flat 3% cashback a big plus for those who regularly make UPI payments. Plus, it offers additional cashback on merchants like Myntra, Cleartrip, and Flipkart. In addition, it is also running a flat 100% cashback offer on the first-ever payment on Flipkart, up to ₹500. Overall, if you are looking for a lifetime free and rewards-based card for UPI payments, then this card is valuable.