SuperMoney Credit Card Referral Link: Upto 5% Cashback (RuPay LTF)
SuperMoney offers a Lifetime Free (LTF) RuPay credit card co-branded with top banks (Utkarsh, Kotak 811, and Axis). Use it for your daily UPI payments to earn up to 5% cashback on merchants, plus flat cashback on standard UPI scans. Sign up via the latest SuperMoney referral link to earn up to ₹100 cashback on your first payment.
Offer Details
How to sign up with SuperMoney referral code?
- 1
Click on the above referral link button to download the SuperMoney App. (Note: No manual code needed).
- 2
Signup for a new account using your mobile number.
- 3
Apply for the Lifetime Free SuperMoney Credit Card.
- 4
Complete your first UPI payment using the app to get ₹100 cashback.
Key benefits of using SuperMoney
Two Distinct Card Options
Get an unsecured Lifetime Free (LTF) Axis Bank RuPay Credit Card, or an FD-backed RuPay card via Kotak811 / Utkarsh requiring a minimum ₹1,000 Fixed Deposit (giving a credit limit of 90% of FD value).
Up to 5% Cashback on Spends
Kotak users enjoy flat 5% on Myntra, 2% on Flipkart, and 1% on UPI scans. Axis users earn 3% on SuperMoney UPI scans (capped) and unlimited 1% on other UPI or non-UPI spends.
Link to Any UPI App
Since it's a RuPay credit card, you can link it directly to SuperMoney, PhonePe, Google Pay, or Paytm and scan any merchant QR code to pay using credit.
Frequently Asked Questions
Tap to view answers
Does SuperMoney have a referral code?
No, SuperMoney does not require a manual referral code. You just need to click a valid referral link, download the app, and make your first payment to automatically qualify for the signup bonus.
Is the SuperMoney Credit Card really free for life?
Yes, the annual fee is NIL. However, for the Kotak811 FD-backed variant, a ₹249 joining fee applies if your credit limit is less than ₹4,500 and you opt for a physical card.
How does the cashback structure work for Axis Bank SuperMoney card?
Axis issues a 3% cashback on UPI QR scans made strictly via the super.money app. However, this 3% is dynamically capped at the total cashback you earned from all other 1% non-super.money spends in that cycle (with a minimum ₹100 cap). You also earn an unlimited 1% on all other qualifying spends.
What are the specific cashback exclusions?
First, all transactions below ₹100 earn zero cashback. Furthermore, categories like Repayments, Utilities, Fuel, Jewelry/Watch stores, Cash withdrawals, Wallet loads, Insurance, Education, Government services, Rent, Telecom, and any EMI-converted purchases are completely excluded from earning cashback.
What is the FD requirement for the Kotak811 SuperMoney Card?
You must book a fixed deposit of at least ₹1,000. Your credit limit will be exactly 90% of your FD value. While linked, your FD will continue to earn up to 6% interest risk-free.
What is the minimum withdrawal amount for cashback?
The minimum withdrawal amount built into the super.money app is ₹10.
How does the SuperMoney referral bonus (Cashback Match) work?
When you refer a friend, it triggers a 30-day 'Cashback Match' period after their first transaction. Whenever your friend earns eligible cashback on their own transactions during this period, you earn a 100% matching amount, up to a maximum cap of ₹100 per friend.
How do the Axis Bank vs. Kotak/Utkarsh SuperMoney Cards compare?
| Feature / Spends | Axis Bank super.money | Kotak / Utkarsh super.money |
|---|---|---|
| Default Card Type | Unsecured (Lifetime Free) | FD-Backed (Min ₹1,000) |
| UPI Spends (Via super.money app) | 3% Cashback (Capped vs other spends) | 1% Cashback (Max ₹500/month) |
| Other UPI & Non-UPI Spends | 1% Cashback (Unlimited) | 1% Cashback (Max ₹10,000/month) |
| Preferred Merchants (Myntra/Flipkart) | No special preferred rate | 5% Myntra / 2% Flipkart (Max ₹500/month) |
| Minimum Spend to Earn | ₹100 per transaction | ₹100 per transaction |