Axis Bank SUPERMONEY RuPay Credit Card

Joining fee

₹0

Annual fee

₹0

Add-on card fee

₹0

Reward rate

3% cashback on eligible UPI purchases via the super.money app, capped at the total cashback earned from other UPI and non-UPI spends in the same statement cycle.

Reward exclusions

No cashback on transactions done on restricted Merchant Categories as defined in the Terms & Conditions.

Reward caps

3% cashback on eligible UPI purchases via the super.money app is capped at the total cashback earned from other UPI and non-UPI spends in the same statement cycle.

Fuel surcharge waiver

1% fuel surcharge waiver at fuel stations across India; applicable only on transactions between ₹400 and ₹4,000, with a maximum benefit of ₹400 per statement cycle; GST charged on fuel surcharge is non-refundable

Forex markup

3.5% on foreign currency transactions.3.5% of the transaction value on International Non-DCC Transactions

Dynamic currency conversion markup

3.5% + GST3.5% plus taxes on each international transaction performed in Indian currency at international location or with merchants registered in a foreign nation

Cash advance fee

2.5% of the amount withdrawn or a minimum of ₹500, whichever is higher

Interest on unpaid balance

3.75% p.m.

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Nil if total payment due is up to ₹500; ₹500 if between ₹501 and ₹5,000; ₹750 if between ₹5,001 and ₹10,000; ₹1,200 if greater than ₹10,001 and ₹50,000; ₹1,300 if greater than ₹50,000

Over-limit fee

Over-limit Fees: 2.5% of Over-limit Amount (Min ₹500).

Payment return or dishonour fee

Cheque Return or Dishonour Fee or Auto Debit Reversal: 2% of payment amount; minimum ₹500.

Statement or duplicate statement fee

Duplicate statement fee: Waived

Card replacement fee

Replacement fee: Waived

Cash payment / cash deposit fee

Fees for Cash Payment at Branches: ₹175.

Education / school fee charge

1% fee per transaction on education payments made via third party apps.

Fee for paying the bill by cheque

Outstation cheque fee: Waived

Fee on online skill-based gaming spends

1% fee on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement cycle.

Wallet load charge

1% fee on cumulative spends of ₹10,000 or more on wallet loads per statement cycle.

What the card's fee or benefit year means

Anniversary Year is the period of 12 months from the date of issuance of the card and every 12-month period thereafter

Fuel transaction fee

1% fee on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle.

Rent transaction fee

1% fee per transaction on each rental transaction; taxes applicable as notified by Government of India

Utility transaction fee

1% fee on cumulative spends of ₹25,000 or more on utilities per statement cycle.

GST note

GST, as notified by the Government of India, is applicable on all fees, interest and other charges, and is subject to change as per relevant regulations of the Government of India

Grace days after the due date

Grace period of 3 days from the payment due date, where payments are not overdue; the customer must clear dues by the payment due date mentioned in the credit card Statement.

Minimum amount due

Sum of all instalments, all Fees, interest / finance charges, taxes, the amount utilized over the credit limit (if any) and 2% of remaining balance outstanding, subject to a minimum of ₹100

Eligibility

For existing Axis Bank customers: available only to Axis Bank Flipkart Credit card customers