SuperMoney Credit Card Referral Link: Get ₹500 Bonus + Upto 5% Cashback
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 ₹500 cashback on your first payment.
Verified 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 ₹500 cashback.
SuperMoney Referral Reward Proof
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.
Terms & Conditions
- Refer Axis superCard Pro: Earn ₹500 when your friend gets the Axis card within 25 days of clicking your referral link. Your friend can also earn up to ₹500.
- Refer Utkarsh superCard: Earn ₹1,000 for every set of 3 successful referrals — ₹200 for the 1st referral, ₹200 for the 2nd, and ₹600 for the 3rd. After your first 3 successful referrals, you will earn a flat ₹200 for every additional successful referral. You must already own an Utkarsh superCard to participate, and your referred friend must complete a UPI transaction using their superCard.
- Refer super.money App (UPI only): Complete referral streaks to earn up to ₹150. For every successful referral (when your friend completes their first transaction via super.money), unlock rewards in this order: ₹10, ₹20, ₹30, ₹40, and ₹50. The streak resets after every 5 successful referrals. This streak-based reward applies to your first 15 successful referrals; after that, you earn a flat ₹10 per successful referral.
- Total referral earnings are capped at ₹4,000 per week.
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.
What is the super.money refer and earn reward amount?
- super.money App (UPI only): Earn rewards in an increasing streak pattern for every successful referral — ₹10 for the 1st referral, ₹20 for the 2nd, ₹30 for the 3rd, ₹40 for the 4th, and ₹50 for the 5th referral, allowing you to earn up to ₹150 per streak cycle.
- Axis Bank superCard Pro: Earn ₹500 for every successful referral when your friend gets the card within the eligible period.
- Utkarsh superCard: Earn ₹1,000 for your first 3 successful referrals — ₹200 for the 1st referral, ₹200 for the 2nd, and ₹600 for the 3rd. After completing the first 3 referrals, you will earn a flat ₹200 for every additional successful referral.
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 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 |
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