The Flipkart Supermoney Card, powered by RuPay and issued by Utkarsh Small Finance Bank, offers a unique proposition for cashback lovers, especially those who shop on Flipkart, Myntra, and Cleartrip. Additionally, its integration with UPI payments and lifetime free benefits make it an enticing option. But does it live up to its promise? Let’s explore the features, benefits, and whether it’s worth getting
Highlights of the card
Cashback across platforms
- 5% Cashback: On Myntra
- 3% Cashback: On Cleartrip
- 2% Cashback: On Flipkart purchases
These rewards cater heavily to shoppers within the Flipkart ecosystem, making it ideal for Flipkart loyalists
UPI Cashback
- Up to 5% Cashback: On UPI payments through the card
- 0.5% Cashback: On all other spends
This feature is excellent for users who make most of their payments through UPI
Enhanced rewards with Supermoney Plus
With Supermoney Plus (expected to be launched soon), users will get a 3% flat assured cashback on all UPI transactions
Cardholders can track cashback and get exclusive offers through the Supermoney App, making the process seamless
What works for the card
Great for power users of Flipkart ecosystem
The high cashback rates on Myntra, Cleartrip, and Flipkart make it a no-brainer for regular shoppers
Lifetime free card
No fees mean no commitment or cost risk, which is ideal for new credit card users
Versatile UPI cashback
A card that integrates UPI with cashback is rare, and this card offers competitive rates, especially for frequent digital transactions
RuPay benefits
As a RuPay cardholder, you gain access to RuPay-specific offers, including merchant discounts and access to select lounges
What does not
work for the card?
- Limited Cashback Outside Partner Brands:
For users who don’t shop on Flipkart, Myntra, or Cleartrip, the 0.5% cashback on other spends might feel underwhelming - No Premium Benefits:
Unlike cards that offer lounge access or concierge services, the Flipkart Supermoney Card sticks to its cashback basics without added perks - Requires Supermoney App:
Some users might find the reliance on an app for tracking rewards inconvenient
Final Verdict: Is the Flipkart Supermoney Credit Card Worth It?
Bottom Line:
For UPI enthusiasts and Flipkart loyalists, this is an excellent card that delivers on its promise of affordability and rewards. It’s definitely worth a spot in your wallet
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