super.money superCard (Utkarsh SFB)
The super.money superCard is an app-first, lifetime-free RuPay credit card from super.money (a Flipkart company), issued by Utkarsh Small Finance Bank. It is a secured card backed by a fixed deposit; the MITC sets the credit limit at currently a minimum of 90% of that deposit and leaves the minimum deposit itself to the bank's discretion, so treat any specific floor you read elsewhere with caution. A physical card costs ₹249 plus taxes unless you maintain the qualifying deposit — the app-based card is free. That structure removes most of the dependence on a strong credit score, making it a clean credit-builder for students, new earners and thin-file applicants. It earns 1% cashback on UPI and other spends (capped around ₹500/month on UPI and ₹10,000 on non-UPI), with accelerated cashback on preferred merchants — 5% on Myntra and 2% on Flipkart, on non-UPI spends specifically. Being a RuPay card it links to any UPI app for scan-and-pay, and the FD keeps earning interest while you build credit. This is the Utkarsh superCard specifically; super.money also offers a separate Axis "Pro" card.
Key features
What this card is built to do — the highlights that actually matter.
1% on Other
1% cashback on UPI and non-UPI spends of ₹100 or more. UPI cashback is paid ONLY on scans made through the super.money app itself and is capped at ₹500 a month (the binding cap encoded here); non-UPI cashback is capped at ₹10000 a month. Cashback expires 2 years after it is earned
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | cashback | 1% | ₹500 |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Lifetime free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.5% p.m. |
| Forex markup | 3.5% |
Should you get it?
Best for: First-time or thin-file user building a credit score, Flipkart/Myntra shopper wanting a free UPI card
Entry tier — great for first-time and lower-spend users.
Strongest value if you spend heavily on Other ( 1% back).
✓ Pros
- Lifetime-free, FD-backed RuPay/UPI card
- Easy approval against a fixed deposit — no credit history needed
- 5% on Myntra, 2% on Flipkart, 1% on UPI/other spends
- Builds credit while the FD earns interest
✕ Cons
- Secured card — requires a fixed deposit as collateral
- Everyday rate is 1%, with monthly cashback caps
- App-first card; no lounge or premium perks
Eligibility & documents
Age
18 –70 years
Employment
Salaried · Self-employed · Student
Documents required
- PAN card
- Aadhaar / valid address proof
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Cashback credited via the super.money app
🎁 Earn on UPI and partner-merchant spends
What your Cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit Direct cash adjustment — no conversion
The concern It is a secured (FD-backed) card with a modest 1% everyday rate and monthly cashback caps, so treat it as a credit-builder, not a rewards engine.
The bottom line
This FD-backed RuPay card offers an accessible, zero-annual-fee entry point for credit building, pairing seamless UPI QR payments with 1% baseline cashback and boosted 5%/2% rates on Myntra and Flipkart. Because it functions as a secured product, its primary strength lies in hassle-free approval and credit score establishment rather than extensive lifestyle perks.
Sources & verification
Fees, reward rates, and benefits for the super.money superCard (Utkarsh SFB) are taken from Utkarsh Small Finance Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 8 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Utkarsh Small Finance Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2024 · 3 changes · last change Aug 2025
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2025 2 changes — 1 cut, 1 improvement
▲ Reward Effective 11 Aug 2025
Base cashback doubled to 1% on UPI and non-UPI spends
0.5% on all eligible spends → 1% on all eligible UPI and non-UPI spends
In a revised benefits structure, super.money and Utkarsh SFB doubled the flat cashback on the superCard from 0.5% to 1% on all eligible UPI and non-UPI transactions (subject to a ₹100 minimum transaction threshold). The accelerated partner rates of 5% on Myntra and 2% on Flipkart continued.
Verification: CardAdvisor Research · Confidence: Reconstructed
▼ Reward Effective 11 Aug 2025
Monthly cashback caps introduced
No stated monthly cap on base cashback → ₹500/month on UPI spends, ₹10,000/month on non-UPI spends
The same revision that lifted the base rate to 1% also introduced monthly cashback caps — ₹500 per month on UPI transactions and ₹10,000 per month on non-UPI transactions. This limits the upside for high-frequency UPI users, so the card is best read as a credit-builder rather than a rewards engine.
Verification: CardAdvisor Research · Confidence: Reconstructed
2024 1 change — 1 neutral
◆ Launch Effective 28 Aug 2024
superCard launched — FD-backed RuPay UPI credit card
Lifetime-free secured RuPay card, 0.5% base cashback
super.money (a Flipkart company) and Utkarsh Small Finance Bank launched the superCard, an app-first, lifetime-free secured RuPay credit card issued against a fixed deposit from as little as ₹100, with a credit limit up to 90% of the FD and UPI scan-and-pay. At launch it earned 0.5% cashback on all eligible spends plus accelerated rates on partner merchants (5% Myntra, 3% Cleartrip, 2% Flipkart).
Verification: CardAdvisor Research · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: super.money superCard (Utkarsh SFB) value timeline — CardAdvisor
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Quick summary
Type Entry credit card
Reward rate 1%
Best for First-time or thin-file user building a credit score
Joining fee Free
Annual fee Lifetime free
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 8 Aug 2026
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