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super.money superCard by Utkarsh Small Finance Bank - The Perfect RuPay UPI Card for Beginners

Kotak 811 with dream different credit card too is a good option .. though there is no cash back we can get a good banking app as well especially for first time Bank and credit card user
 
Which
tharun said:
Yes
But many 3rd party apps are evolved ,
phonepe and Bharat pe QR now accept upto 2k (per day for free) even if the merchant turned off the setting.
So better luck next time and try to complete the transaction before anyone else does then you will have max value
Click to expand...
Which upi app is better and shows after scanning any qr code that how much cashback would be applicable for that transaction for day to day usage. ?
 
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newIntern said:
Can you comment on the UI/UX of the app?

I like UPI apps, which are uncluttered & which have a widget to scan QR code (iPhone and Android).

I don't want to look at the other hundred thousand products/features they have.
Click to expand...
It doesn't have widgets on android and the app is very sluggish. Takes time to reach scan page. Ui is not cluttered but based on the two cons I mentioned, I don't like this much
 
Mark said:
It doesn't have widgets on android and the app is very sluggish. Takes time to reach scan page. Ui is not cluttered but based on the two cons I mentioned, I don't like this much
Click to expand...
Thank you. I think I will stick with my current app
 
TechnoFino said:
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.

Charges​

  • Joining Fees: ₹0
  • Annual Fees: ₹0
  • Type: Lifetime Free Credit Card
This is a secured credit card, which means you need to invest money as a Fixed Deposit (FD). You’ll get 90% of the FD value as your credit limit.

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​

  1. 5% Cashback on Myntra
  2. 3% Cashback on Cleartrip
  3. 2% Cashback on Flipkart
  4. 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.
These are the preferred partner benefits of the super.money credit card. However, two caps apply:
  • 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. 1% Cashback on all UPI transactions via the super.money UPI app
    • Maximum cashback per statement: ₹500
  2. 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.
It is a simple, no-nonsense product that delivers exactly what it promises - practical cashback on real spends. What makes it even better is that the cashback is not in the form of gimmicky points or locked vouchers - you get real cashback that can be withdrawn to your bank account.

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
Click to expand...
Not recommended, I do deposit and wait for video KYC for 2 hours every days for 3 days . It's always showing que 5 to 6 person. One time connected but unfortunately their server issue and then they disconnect. After that day they refund my amount.
 
panchabhut said:
There are many (mostly old citi users) who already have 4 or more.
Click to expand...
Yeah but they are kind of stuck with those 4. If they want to change to upgrade to some better newer launched cards (I am sure one of those 4 is devalued) by Axis, they have to close 2 cards and then get the 3rd of their choice
 
CarbonLogic said:
Please clarify the minimum threshold for this. Its Rs100 from my experience, anything below that does not fetch 1% CB
Click to expand...
Minimum Amount for Cashback is ₹100 for Super Money SuperCard (Rupay CC). But, You will still get Cashback for transaction below ₹100 through other Bank Account on Super Money App.
 
Lalsingh22 said:
Minimum Amount for Cashback is ₹100 for Super Money SuperCard (Rupay CC). But, You will still get Cashback for transaction below ₹100 through other Bank Account on Super Money App.
Click to expand...
You are talking about regular non-CC UPI payment which is supposed to fetch you "UPTO" 5% CB. Lately it has been giving less than 1% CB, which TBH is really pathetic but I guess something is better than nothing when compared to BHIM which gives CB whenever it is in the mood to give it.
 
harsha1 said:
Which

Which upi app is better and shows after scanning any qr code that how much cashback would be applicable for that transaction for day to day usage. ?
Click to expand...
POP shows the earn and burn rates before entering UPI PIN. Not seen any other app doing that.
 
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TechnoFino said:
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.

Charges​

  • Joining Fees: ₹0
  • Annual Fees: ₹0
  • Type: Lifetime Free Credit Card
This is a secured credit card, which means you need to invest money as a Fixed Deposit (FD). You’ll get 90% of the FD value as your credit limit.

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​

  1. 5% Cashback on Myntra
  2. 3% Cashback on Cleartrip
  3. 2% Cashback on Flipkart
  4. 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.
These are the preferred partner benefits of the super.money credit card. However, two caps apply:
  • 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. 1% Cashback on all UPI transactions via the super.money UPI app
    • Maximum cashback per statement: ₹500
  2. 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.
It is a simple, no-nonsense product that delivers exactly what it promises - practical cashback on real spends. What makes it even better is that the cashback is not in the form of gimmicky points or locked vouchers - you get real cashback that can be withdrawn to your bank account.

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
Click to expand...
i need supr money pro
 
I havent take this coz once you take this, you cant apply for the pr card which is far better.
anyone able to grab the pro card?

If its gonna be rolled out to masses, then the FD card is ok... Any ETA news with anyone?
 
CC-Muncher said:
I havent take this coz once you take this, you cant apply for the pr card which is far better.
anyone able to grab the pro card?

If its gonna be rolled out to masses, then the FD card is ok... Any ETA news with anyone?
Click to expand...
try with a secondary phone number
 
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