UPI transactions have become a major part of our daily spending. From small retail payments to regular utility bills, most of us rely on UPI for convenience. That’s why it is always advisable to keep a RuPay UPI credit card that not only works seamlessly on UPI but also offers practical rewards for these spends.
Gen Z and young students, in particular, are heavily dependent on UPI. However, getting a credit card early in your career can be challenging due to having no credit history (CIBIL score of zero) or a low CIBIL score. For students, this can be an even bigger barrier.
The good news is that there is a card that solves both these problems. It helps you build credit history while giving rewards on UPI spends. I am talking about the super.money's superCard issued by Utkarsh Small Finance Bank. Let’s go through its features in detail, and then I’ll share my opinion.
There is no credit check involved, so whether your CIBIL score is zero or 800, you can still get this card. This makes it one of the best options for students, first-time credit card users, and individuals trying to rebuild their credit profile.
Since this is an FD-backed secured credit card, it completely removes the dependency on having a strong credit score. Anyone, even with a low income or a poor CIBIL history, can apply and get approved. This makes it particularly suitable for students, first-time card users, or individuals who want to start building their credit history from scratch. Meanwhile, your FD continues to earn interest, so your money is not blocked - it keeps working for you.
The partner cashback benefits with Myntra, Cleartrip, and Flipkart are decent, but the real highlight of this card is the 1% cashback on RuPay UPI transactions. This feature alone makes it stand out in the market and is the primary reason I recommend it.
To give a simple example, if you invest ₹10,000 as FD, here’s what you get:
Personally, I am planning to get this card mainly for the UPI cashback benefit, and I believe many of you will find it equally useful.
In short, this is a basic yet highly effective credit card - a product I can confidently recommend to anyone looking for a straightforward, rewarding, and beginner-friendly RuPay UPI credit card.
Grab your card now: https://link.super.money/3z71CVJP4Wb
#Sponsored
Gen Z and young students, in particular, are heavily dependent on UPI. However, getting a credit card early in your career can be challenging due to having no credit history (CIBIL score of zero) or a low CIBIL score. For students, this can be an even bigger barrier.
The good news is that there is a card that solves both these problems. It helps you build credit history while giving rewards on UPI spends. I am talking about the super.money's superCard issued by Utkarsh Small Finance Bank. Let’s go through its features in detail, and then I’ll share my opinion.
Charges
- Joining Fees: ₹0
- Annual Fees: ₹0
- Type: Lifetime Free Credit Card
There is no credit check involved, so whether your CIBIL score is zero or 800, you can still get this card. This makes it one of the best options for students, first-time credit card users, and individuals trying to rebuild their credit profile.
Benefits
- 5% Cashback on Myntra
- 3% Cashback on Cleartrip
- 2% Cashback on Flipkart
- Earn 6% interest on your FD amount, along with DICGC insurance coverage up to ₹5 lakh — which means your money is 100% safe. In comparison, most large banks usually pay only 2.5%–4% interest on savings balances.
- Maximum cashback per transaction: ₹100 (This capping applies only on Flipkart — it does not apply on Cleartrip or Myntra.)
- Maximum cashback per statement cycle on preferred partners: ₹500
- 1% Cashback on all UPI transactions via the super.money UPI app
- Maximum cashback per statement: ₹500
- 1% Cashback on all non-UPI credit card transactions
- Maximum cashback per statement: ₹10,000
Excluded Categories
The following transactions do not earn cashback/rewards:- Government-related payments
- Agriculture/Contractor services MCCs
- Rent payments, wallet loads, prepaid card loads, voucher purchases
- Purchase of gold/jewellery
- Insurance, Post Office, Transit, Utilities, Education, Fuel
- Cash advances and all types of EMI transactions
My Opinion
As I mentioned earlier, having a reliable RuPay UPI credit card is extremely important, especially for those who rely heavily on UPI for their daily payments. The super.money's superCard issued by Utkarsh Small Finance Bank is an excellent choice for this very reason.Since this is an FD-backed secured credit card, it completely removes the dependency on having a strong credit score. Anyone, even with a low income or a poor CIBIL history, can apply and get approved. This makes it particularly suitable for students, first-time card users, or individuals who want to start building their credit history from scratch. Meanwhile, your FD continues to earn interest, so your money is not blocked - it keeps working for you.
The partner cashback benefits with Myntra, Cleartrip, and Flipkart are decent, but the real highlight of this card is the 1% cashback on RuPay UPI transactions. This feature alone makes it stand out in the market and is the primary reason I recommend it.
To give a simple example, if you invest ₹10,000 as FD, here’s what you get:
- You continue earning interest on the full ₹10,000 deposit.
- You receive a ₹9,000 credit limit on your secured credit card.
- You earn 1% cashback on all your day-to-day RuPay UPI spends.
Personally, I am planning to get this card mainly for the UPI cashback benefit, and I believe many of you will find it equally useful.
In short, this is a basic yet highly effective credit card - a product I can confidently recommend to anyone looking for a straightforward, rewarding, and beginner-friendly RuPay UPI credit card.
Grab your card now: https://link.super.money/3z71CVJP4Wb
#Sponsored
