No Judgements, Only Rewards

To apply for the superCard, please make sure you have the following things ready: your Aadhaar-linked mobile number, Aadhaar details, a pen, paper, and your original physical PAN Card. The entire process, including Video KYC, should take around 10-12 minutes, and your card will be ready for use by the end of it. Get started now and enjoy the benefits of your superCard soon!

The minimum deposit required is just Rs 100/-. Please note that credit limit assigment and minimum deposit amount during Credit Card application or later on is at the sole discretion of the Bank and is subject to change without notice.

We apologize for the inconvenience. If you encounter issues with your Credit Card payment, we recommend trying again later. If the problem persists, please don't hesitate to contact us by raising a ticket in the app.
Our support team will assist you in resolving the issue promptly. Thank you for your patience and understanding.

If you don't make the repayment of the card within the due date, then your linked deposits might be used to repay the outstanding bill amount beyond a certain date. The remaining amount will be refunded in your linked bank account. Your remaining deposits will stay intact.

You will have 15 days after your monthly statement generation to pay your bill amount. For instance, if your statement was generated on the 25th of the current month, you will need to make the payment by the 10th of the next month to avoid incurring any late payment fees or interest charges. Please refer to your cards home page for your most recent statement and payment due dates.

You can conveniently repay your Credit Card bill through UPI using super.money app.

Apologies, but at present, we do not offer standing instructions for the repayment of your card bill.

You can access the details of your repayments in the History section of super.money app.

If we do not receive your payment before the payment due date, late payment charges as well as interest on your outstanding balance will be levied. Additionally, please note that non-payment may be reported to credit bureaus, potentially impacting your credit score. It's important to ensure timely payment to avoid these consequences.

With effect from 11th August 2025, You shall be eligible for 1% cashback on all spends (both UPI and non-UPI) subject to the terms and conditions as given in the MITC.
Cashback on UPI transactions are capped at Rs 500 per statement month. Cashback on non-UPI transactions are capped at Rs 10,000 per statement month.
Cashback on UPI transactions is subject to transactions being undertaken via super.money application.
Cashback is only applicable on transactions where transaction amount is greater than or equal to Rs 100.

You can conveniently view your next statement generation date on your cards home page in super.money app. All your generated statements are available in 'Manage' section of the super.money app in Cards section.

You can enhance your credit limit by creating additional deposits, which can be conveniently done from the deposits tab in super.money app

You can decrease your credit limit by withdrawing your deposits. However, please note that you may not be able to withdraw your entire deposit if you have an outstanding bill amount on your card. Withdrawals can be made from the deposits tab in super.money app.

When you withdraw your existing deposits, your credit limit will decrease accordingly. Additionally, withdrawing deposits means foregoing the potential interest you were earning on those deposits.

You can withdraw your deposit by navigating to the deposits page in super.money app and selecting the specific deposit you wish to withdraw once the minimum lock-in period of 7 days is over. Please note that you must have sufficient deposits to cover your outstanding amount on the card. Otherwise, you'll need to clear your outstanding balance before withdrawing your deposit Please note withdrawing all your deposits will lead to deactivation of card.

You will continue to earn the applicable interest rate on your deposit if you keep it for the entire year. However, if you withdraw your deposit before the maturity date, you will lose out on interest.
To view the overall interest on your deposits, you can visit the deposits tab in super.money app.

Unfortunately, you'll need to create a deposit during the application process. Your existing deposits with Utkarsh SFB cannot be linked to your card at this time.

Your credit limit, linked to your deposit, is determined by your bureau score. With a great bureau score, you can receive 90% of your deposit amount as your credit limit. Furthermore, by consistently using your card and making timely payments, we may be able to offer you even higher limits in the future.

Your deposits are exclusively accessible for withdrawal by you. However, in the event of delayed repayment of your Credit Card bill, one or more of your deposits may be utilized to settle the outstanding bill.
Any remaining amount after the deduction will be refunded to your linked bank account. Your remaining deposits will remain unaffected by this process.

Credit utilization is calculated as the percentage of credit you have utilized out of the total available credit limit.

As you have opted for a Credit Card secured against fixed deposits, any transactions above your available credit limit will be declined

You can access all your statements in the Manage section in super.money app

We recommend double-checking these transactions against your SMS/email history. If you're certain you haven't initiated these transactions, you can raise a dispute for them in super.money app

Apologies! Currently, you can only make repayments of your superCard through the super.money app

As long as you pay the total due amount before or on the due date, you won't incur any interest charges. However, please note that if you use your Credit Card to withdraw cash, interest will be billed at a rate of 3% per month.

Credit Limit means the limit up to which a cardholder is authorised to use
the Card for a purchase transaction at an online/offline merchant
establishment.
You can use your card to make transactions through various methods:
1. Online payments via OTP.
2. UPI payments by linking your card to UPI apps.
For users with physical cards, following modes are also available -
1. ATM withdrawals using your card PIN.
2. Offline payments at merchants by swiping your card and entering your PIN.
3. Tap and Pay payments via contactless.
For each method listed above, except for Contactless, you can set a daily spend limit. For Contactless transactions, you can define a per-transaction limit. You can review and adjust all your transaction limits in the limits section in super.money app.

You can activate your online transactions by visiting the card controls section in super.money app.

You can start using the card by linking it to super.money UPI, enabling you to pay for UPI transactions seamlessly. Alternatively, you can also utilize this card for online transactions at a variety of merchants. For online transactions, you'll be prompted to enter an OTP for added security.

You can set daily spending limits on your card by visiting the limits section in super.money app.

To enhance security and prevent fraud on your card, it's crucial to remember a few key points:
1. Keep Your Details Secure: Avoid sharing your card details or OTP with anyone to safeguard against unauthorized use.
2. Memorize Your PIN: Protect your card by memorizing your PIN and refraining from sharing it with others.
3. Set Transaction Limits: Consider setting limits on your card transactions through the limits section for added control.
4. Activate Lock Mode: Temporarily disable your card with Lock mode if you won't be using it for a period to prevent unauthorized transactions.
5. Block and Replace: If you suspect fraud or compromise, swiftly block your old card using the 'Block and Replace' feature, ensuring your account's security by obtaining a new card.
Taking these precautions will help ensure the safety of your card and protect against potential fraud or misuse.

Maximum transaction limit is the limit up to which a cardholder is authorised to use the Card for a purchase transaction at an online/offline merchant
establishment. You can review your daily transaction limits on your card by visiting the limits section in super.money app.

Your card transactions may be declined for several reasons, including:
1. Insufficient credit limit
2. Fraud prevention checks
3. Expired card
4. Incorrect card details
5. Restricted merchant usage
6. Temporary hold
7. Overdue payments

If you detect any fraudulent activity on your card, it's crucial to take immediate action through the 'Block and Replace' feature accessible under card settings in the Manage section in super.money app.
Furthermore, if you wish to dispute a transaction that appears to be fraudulent, you can raise a dispute directly from the transaction details page in super.money app

If you suspect that your card or card details have been compromised, it's essential to take immediate action by utilizing the 'Block and Replace' feature located within the card settings under the Manage section in super.money app. This ensures the security of your account and prevents unauthorized use of your card.

Yes, you can certainly use your card for international travel. However, it's advisable to verify your card controls to ensure that international transactions are enabled. You can do this by visiting the International Transactions tab within your card controls in super.money app.. This ensures seamless use of your card abroad without any interruptions.

Yes, you can use your card for cash withdrawals. It's recommended to verify your card controls to ensure that your card is enabled for cash withdrawals by visiting the card controls section in super.money app.. Please note that all cash withdrawals will incur a cash withdrawal fee and charges as per the terms and conditions applicable.

The additional charge on fuel transactions made with a Credit Card is commonly known as a "fuel surcharge" or "convenience fee." and is levied by merchant [fuel station] for such transactions.

To set up UPI for your superCard, please follow the steps below:
Open the super.money app and go to the Profile section [top left corner].
Select your card from the UPI Account list. If not added yet, tap on "Add a Payment Method" and choose "Utkarsh Small Finance Bank".
Enter the last 6 digits of your card and expiry date when prompted.
You'll receive an OTP on your registered number. Enter it to verify and set your UPI PIN.
Once set, you can start using UPI with your superCard.
Note: If you've added the card earlier or are facing any issues, , we suggest removing the card and adding it again.

You can begin using your card by linking it to super.money UPI app, allowing you to make payments for UPI transactions effortlessly.

Certain categories of merchants may be restricted from accepting Credit Card payments due to regulations imposed by the issuing bank or the Reserve Bank of India [RBI]. Examples of such restricted merchant categories include digital account opening services, lending platforms, cash withdrawal at merchant locations, and cash withdrawal at ATMs.

We recommend double-checking these transactions against your SMS/email history. If you are certain that you haven't made these transactions, you can raise a dispute for them in super.money app

If there is a disputed credit transaction on your Credit Card, you are not obligated to make a payment for the disputed amount while the matter is under investigation. You can refrain from paying the disputed amount until the dispute is resolved.

Once you have successfully raised a dispute, we will credit the disputed amount back to your account. You are not required to make a payment for the disputed amount until the dispute is resolved. However, please note that the disputed amount will be temporarily blocked from your available credit limit until the resolution of the dispute.

If your dispute is showing an 'in-dispute' status, it means that the matter is currently under investigation. During this time, you are not required to pay the disputed amount until the dispute is resolved.

If the dispute has been resolved in favor of the merchant, you are now required to make the complete payment, including any late fees and charges that are due from you. Please ensure to settle the outstanding amount to avoid any further consequences.

To withdraw your dispute, follow these steps:
1. Navigate to the Dispute Management option in the Manage section of your account in super.money app..
2. Select the dispute you wish to withdraw from the list of disputes.
3. Click on the withdraw button to proceed.
By following these steps, you can successfully withdraw your dispute.

Apologies, but currently, there is no option available to change your name.

Apologies, but currently, there is no option available to change the mobile number linked to the card. Please ensure your you use your Aadhaar linked mobile number for the application, and seamless use of the Credit Card.

Apologies, but currently, there is no option available to change the email ID linked to the card.

Apologies, but currently, there is no option available to apply for an add-on card.

If your card closure request is not being fulfilled despite having no outstanding balance on your account, please raise a customer support ticket. Our team will investigate the issue and get back to you within the next 7 working days to resolve it.

You can currently create a deposit of up to Rs 1,80,000

Yes, applying for this card may impact your credit score. As part of the application process, we will request your consent to pull your credit bureau data in order to determine your credit limit.

If you haven't used your card post 30 days of issuance, it will get into inactive state. However, you get another 7 days to re-activate your card and start using it. If you do not activate your card by the end of the window to re-activate the card, it will get closed on its own and you won't be able to get a new card.

You can begin using your card by linking it to super.money UPI, enabling you to make payments for UPI transactions. Additionally, you can utilize this card for both online merchant transactions.

We expect the card to be delivered within 7-10 working days. You can easily track the delivery by selecting 'Track Your Card' located in the Manage section in super.money app.

We are sorry to hear that you don't want to continue using your card. If there is anything we can help to change your mind, please reach out to us by raising a ticket.
Please note:
1- Once your card is closed, you won't be able to get a card again.
2- If you have outstanding balance, you will need to clear that before closing the card.

If you withdraw the last deposit linked to your account, you can not get your card back, as it will get closed and you won't be able to use your card.

Unfortunately, once you have initiated your Credit Card account closure, you won't be able to continue with your card

You can easily apply for your physical card by selecting the 'Order Physical Card' button located in the Manage section in super.money app.

You can avail a physical card by paying a fee of Rs 249 plus taxes or maintaining the eligible fixed deposit amount. Please refer to the terms and conditions for all fees and taxes. Please note all replacement cards will be charged as per the prevailing rate.

Please refer to the terms and conditions for all fees and taxes.

You can easily set up your physical card PIN by selecting the 'Set PIN' located in the Manage section in super.money app.

You can easily check the reason for failure of your transaction by visiting the 'History' section in super.money app.

To access your card and deposit amount information, follow these steps: Open the Super Money app. Navigate to the Card" option in the menu bar at the top

The additional charges are levied by the merchant bank. The rate of the surcharge can vary depending on the fuel station and the acquiring [merchant's] bank

1] Open super.money app
2] Go to Card, in the navigation bar
3] Click on - View card details, Cardpage will open
4] On this page, Click on - Increase Limit
5] Enter the amount you wish to make a deposit for
6] Click on Deposit, and make the payment

Currently, Credit Card payments using UPI mode are not permitted for certain types of transactions including to other users

Currently we are unable to take request to change application details like your name, mother's name, deposit amount, PAN or phone number once submitted.

You will need to have your original Pancard with you to complete your video kyc process. Currently we do not accept digital or non-original versions of your pancard for verification due to compliance.

Sometimes, we see a temporary slowdown because due to heavy demands. We appreciate your patience and understanding, and we are doing everything we can to improve the experience for everyone!

Your VKYC is currently under review by our auditors to ensure everything is in order but rest assured, we will update the status to "Complete" as soon as the review is finished.

If you choose not to or are unable to complete your video KYC within 3 working days, the VKYC will automatically expire at the end of the given period, and your application will be canceled. Once the VKYC expires, a refund for your payment will be automatically initiated. The refunded amount will be credited to your registered bank account within 3-5 working days.

If your transaction is unsuccessful or failed and the payment is debited from your account, rest assured that the refund process is already underway. The refunded amount will be credited back to your account within 3 to 5 working days.

Your withdrawal is generally credited to your bank account within 3 working days of the request.

The delivery of the physical card takes between 7-10 working days post request. You can track your physical card's delivery in Manage section in super.money app.

We provide statement dates of 1st, 10th, 20th and 25th of every month. Please follow the steps to update your statement date in super.money app.

If you have paid for a transaction using the superCard and the amount has been debited from your card, but the payment fails, you will receive a refund for the transaction. The refund typically takes 3 to 5 days to process.

If you withdraw the last FD or choose to close your card, it will be marked as closed. Once closed, we are unable to reopen, re-issue, or reactivate the card. We appreciate your interest and will notify you if this option becomes available in the future. Thank you for your understanding!

If you close your card, the deposit against the card will be withdrawn. The withdrawn deposit will be credited to your bank account within 3 working days

Currently, we accept only one application per PAN. Once your application details are submitted, you will not be able to edit them. Reapplying with different application details is not allowed at this time. We appreciate your interest and will notify you if this option becomes available in the future. Thank you for your understanding!

If your payment has failed you can try re-initiating the payment to complete your transaction. If the amount has been debited from your bank account the refund is typically processed within 24 hours.

If your payment has failed but the amount has been debited from your bank account the refund is typically processed within 24 hours.

If you're facing technical issues while completing your KYC such as audio problems or the camera not working you can try completing your VKYC in a different browser. When re-initiating VKYC you will find a "Copy Link" option that allows you to paste the link into a different browser. This often helps resolve common technical issues.

Card activation generally occurs within a few hours of VKYC completion. This is because the bank needs to validate the user and final approval from an auditor is required. This process may take some time so please check again after a few hours.

If your card is closed reactivation is not supported. Reapplying for a new card is also not allowed

You can view rewards or cashback in transaction history for each transaction in super.money app. To redeem your available reward balance, visit 'Rewards' and 'Swipe to Redeem' in super.money app.

You can view rewards or cashback in transaction history for each transaction in super.money app. To redeem your available reward balance, visit 'Rewards' and 'Swipe to Redeem' in super.money app.

Currently we use the address you entered during onboarding as the delivery address for your physical card. You cannot change the delivery address now

Once the physical card is ordered it cannot be canceled.

The delivery status usually updates instantly. However in some cases it may take a few hours due to delivery processes or services. Rest assured the card status will be updated within 24 hours.

If your payment has failed you can try reinitiating the payment to complete your transaction. If the amount has been debited from your bank account the refund is typically processed within 24 hours.

Unfortunately you must complete your VKYC before the expiry date and cannot schedule it for a later time due to bank regulations and compliance requirements. It is also important to have your original PAN to complete the VKYC process.

If you no longer wish to apply for the card you can abandon the account opening process. If you've made a payment and don't complete your VKYC within 3 working days your amount will be refunded. Refunds typically take 3 - 5 working days to process from the expiry date.

If your card is closed reactivation is not supported. Reapplying for a new card is also not allowed. For help contact our support team.

Once you have submitted and confirmed the card details on the review page you will not be able to change the deposit amount during the application. However after the card is activated you can always increase your credit limit by linking additional deposits to your card.

If your card is closed the deposit amount will be delinked and the credit limit will be retracted. However your FD will remain active and you can request a withdrawal at your convenience.

Monthly reporting is mandatory for all accounts as per bank policy to ensure compliance with regulations. Please note that credit scores are determined at the discretion of the Credit Information Corporations.

The maturity tenure for your FD linked to the card is 1 year. After maturity the FD will be automatically renewed as per the reinvestment instruction. You can find complete information about your deposit in the deposit receipt available on the deposit details page in super.money app.

The terms and conditions along with the key fact statements can be found in the "Manage" section of the card in super.money app.

If the refund amount is credited before Credit Card statement generation, the refund amount will automatically be adjusted with other debits, prior to calculation of the Total Amount Due.

If the refund amount is credited after Credit Card statement generation and Credit Card payment has not been made, the refund amount will be immediately adjusted against the ‘payment due' amount and the same will reflect in SuperMoney app.

If the refund amount is credited after Credit Card statement generation and Credit Card payment has already been made, customer has option to raise a request for refund to source Bank account from SuperMoney app. The option is available in the help-centre section of SuperMoney app. Upon receipt of the request via SuperMoney app, Bank will process refund to source Bank account within 3 working days from the date of request. In case there is no such request from the customer, Bank will automatically initiate refund to source Bank account within seven days of the Credit transaction.

Please note: In case of failure in the refund process due to source Bank account being dormant, closed or any other similar reasons, customer can submit alternate account details via SuperMoney app. In such scenarios, refund can be extended beyond 3 working days from the date of request.