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.
How to refer SuperMoney app
- 1
Open the App and click on "Earn ₹650" in left top.
- 2
Share your referral link with WhatsApp and other social media.
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.
SuperMoney Referral 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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