Axis Bank · Entry · lifetime free
Axis Bank Supermoney RuPay Credit Card
Where it ranks across all 187 cards
#40 Gaming
1.0%
direct
#50 Train tickets
1.0%
direct
#54 Other
1.0%
direct
#55 Cabs & transit
1.0%
direct
#58 Health & pharmacy
1.0%
direct
#61 Electronics
1.0%
direct
#69 Hotels
1.0%
direct
#71 Flights
1.0%
direct
#71 Fashion
1.0%
direct
#72 Groceries
1.0%
direct
#72 Movies & events
1.0%
direct
#73 Online shopping
1.0%
direct
#74 Food delivery
1.0%
direct
#75 Dining out
1.0%
direct
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Reward rules1 direct
Base rate - everything not covered below
1.00%base rate
1% cashback
source
Source: Axis Bank - Supermoney Credit Card - axis.bank.in - read 2 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on5 exclusions
Fuel, Jewellery & watches, Wallet load, Insurance, Education, Government / tax, Rent
earns nothing
No cashback on fuel, jewellery, wallet load, insurance, education, government services or rent.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel, Jewellery & watches, Wallet load, Insurance, Education, Government / tax, Rent
Source: Axis Bank - Supermoney RuPay Credit Card T&C - axis.bank.in - read 2 Oct 2026
Utility bills
earns nothing
Utility Services listed among the restricted Merchant Category Exclusions.
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills
Source: Axis Bank - Supermoney RuPay Credit Card T&C - axis.bank.in - read 2 Oct 2026
Mobile / broadband, EMI
earns nothing
Telecom and purchases converted to EMI earn no cashback.
→ use FIRST Private here (6.6%)
detail & source
categories: Mobile / broadband, EMI
Source: Axis Bank - Supermoney RuPay Credit Card T&C - axis.bank.in - read 2 Oct 2026
Tolls and bridge fees
earns nothing
Bridge fees, road fees and tolls: no rewards (from 28 Aug 2026).
→ use FIRST Private here (6.6%)
detail & source
MCCs: 4784
Source: Axis credit card T&C revision effective 28-08-2026 (campaign.axis.bank.in PDF) - campaign.axis.bank.in - read 2 Oct 2026
Gift, card, novelty and souvenir shops
earns nothing
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026).
→ use FIRST Private here (6.6%)
detail & source
Axis excludes by spend category; 5947 is the closest MCC mapping.
MCCs: 5947
Source: Axis credit card T&C revision effective 28-08-2026 (campaign.axis.bank.in PDF) - campaign.axis.bank.in - read 2 Oct 2026