super.money: The Credit-First UPI App That is Revolutionising Digital Payments for Flipkart
What is super.money?
super. money is a Unified Payments Interface (UPI) app
developed and introduced by Flipkart Group, aimed at giving an
integrated, rewarding and credit-enabled payments experience for Android
devices. Super, unlike traditional UPI applications which operate primarily as
payment applications, money combines credit lines, guaranteed cashback, and
wealth management, providing a comprehensive financial services ecosystem.
The app allows users to:
- Instant UPI payments for merchants and friends
- Up to 5% guaranteed cashback on each transaction
- Earn Cashback on Every Transaction
super. money on the other hand gives real cash back with
every purchase (up to 5%) rather than scratch cards, coupons or coins with
unclear value like many other apps. Whether you shop at a local merchant or
payment website such as, Flipkart, Myntra, Amazon, Swiggy, Zomato, etc., you
earn guaranteed cashback, which gets directly credited to your account. This
provides more transparent rewards system which attracts more users who are
searching for real benefits for their digital payments.
superCard : First UPI Experience With a Credit Card
It is a groundbreaking function of super. is its
credit-first approach. It has launched a co-branded RuPay card termed
superCard, issued in coordination with Utkarsh Small Finance Bank. Unlike other
UPI instruments, this card acts as an interest-earning wallet on the UPI rails,
allowing users to draw on credit and buy seamlessly. Available to everyone
starting from ₹100, the superCard promises to enhance the users’ credit score
along with exclusive benefits. It is a global first of integrating credit with
UPI, and it will revolutionise financial inclusion for consumers in Tier 2 and
Tier 3 towns, in particular.
Hastened, Safe, & User-Friendly Interface
super. money also provides a clean and easy-to-use UI along
with basic features such as a default scan on camera mode to let users scan
their QR codes quickly, making payment quick and easy. So, the security is
prioritized and good measures are taken for user data and transactions that
create a payment environment with safety. Users also have instant access to
their bank account balances right in the app.
Extensive Merchant and Online Payment Support
It can pay at a wide array of merchants and online
platforms ranging from Flipkart, Myntra, Amazon, Swiggy, Zomato, BlinkIt,
Cleartrip, MakeMyTrip, BookMyShow to Ola, Uber and Rapido. This large merchant
network increases the value of the app for everyday transactions and increases
users’ ability to earn cashback.
Investment and Loan Products
super. money will elevate its finances with products
such as:
- superCash: Get instant pre-approved loans from multiple lending partners with interested rates starting at 10.49%
- superDeposit: constituents starting at only ₹100, with interest rates up to 9.5%, coupled with guaranteed advantages like cashback.
- Those products are intended to make investing and borrowing easier and more accessible with one app.
- Getting Started with super Introduction money
- Getting started with super. money becomes simple, unambiguous, and direct:
- Android Users are Compatible with the Google Play Store Download the App
- Try transacting: Scan the merchant QR code to make payments or pay online merchants.
- Get Cashback: Guaranteed cashback on each transaction.
- Credit products offering: In-app application for superCard or any other credit products when eligible.
super. money’s Rise in the UPI Market
Since its launch, super. money has seen remarkable growth.
By early 2025, it had processed more than 139 million transactions in a month,
with a transaction value of nearly ₹4,812 crore. This surge helped super. money
surpassed competitors such as Cred and Axis Bank apps to become the fifth-largest
UPI payments players in India as measured by transaction volume. This
is notable considering the market share that PhonePe and Google Pay hold.
Its adopted credit-first model, guaranteed cashback, and
seamless user experience are in specific sync with the expectations of Indian
consumer base, who want the app to be more than just a payment tool.
User Experience and Feedback
- Positive Aspects
- Many users praise super. money for its:
- Clean and intuitive UI
- Implicitly true transactionsSecure fast transactions
- Faithful and genuine money back perks
- Cutting-edge credit solutions that contribute towards better credit scores
- Provides wide merchant acceptance and online payment options
- Users also have said they like that the app’s reward structure is not gimmicky — scratch cards and coins, for example, abound in other UPI apps.
Challenges and Criticisms
Despite its strengths, super. money faces some challenges:
The technical issues include login failures, crushing of the app and delays in transactions. Examples include deductions of payments that are not instantly received by merchants and create inconvenience and refunds that take a few days also.
- Customer Service: Some reviews mention slow service and non-assistance in failed transactions or refund requests.
- Feature Limitations: Unlike most UPI apps, super. money does not yet have integrated bill payment features like mobile recharge, DTH, or credit card bill payments—something that some users found inconvenient, and expected from a fulsome payments app.
- The super. money team is aware of these issues and actively working to improve and add features to the app.
- The Vision Behind super.money
- Prakash Sikaria, Founder and CEO of super money, describes the app as an incubator that opens the doors of Indian financial services to all.
👇👇Application Link 👇👇
0 Comments