Super.money is Flipkart Group’s new fintech flagship that aims to redefine mobile payments using UPI. Rather than being just another payments app, super.money is built on a “credit-first” philosophy. It lets users make payments, access credit, and even save money — all under one roof. The company’s vision is to combine the speed of UPI with real financial services like credit, fixed deposits, and pre-approved loans. Super Money
Initially launched in beta, the app offers features like scan & pay, cashback on merchant transactions, and partnerships with banks to provide secured credit. Backed by Flipkart, super.money is not just targeting payments — it’s building a complete financial ecosystem.
Key Features of the Super.Money App
1. Real Cashback on Every Transaction
Super.money offers up to 5% guaranteed cashback on UPI payments made to merchants. Unlike some apps that rely on coupons or coins, super.money emphasizes “real cashback” credited directly.
2. Scan & Pay with Speed
The app supports quick QR payments, and it reportedly has a “default camera scan-on mode,” making scan-and-pay faster and more intuitive.
3. Credit via superCard
super.money plans to issue a RuPay “superCard” in partnership with Utkarsh Small Finance Bank. This card lets you transact “on-credit,” but still use UPI rails — blending UPI convenience with the flexibility of credit.
4. Fixed Deposits with superDeposit
You can open fixed deposits (FDs) within the super.money app. According to their site, interest rates can go up to 9%, which is quite competitive. Super Money
5. Instant, Pre-Approved Loans (superCash)
Pre-approved personal loans — termed superCash — are another feature planned for the app. These loans run at relatively lower rates and are integrated into the super.money ecosystem. Super Money
6. Secure Banking & UPI Compliance
Super.money is NPCI-approved, and it handles UPI through recognized partner banks, ensuring regulatory compliance. Super Money It also promises solid security measures to protect your payments and data.
Why Choose Super.Money?
- All-in-One Financial Tool: Unlike many UPI apps, super.money isn’t limited to payments — it’s positioning itself to offer credit, saving, and cashback, all from within a single app.
- Meaningful Rewards: The “real cashback” model is appealing for users who want tangible returns on their spending rather than gimmicky scratch cards.
- Credit Access: For those who need credit, the superCard and superCash features offer smart ways to borrow without leaving the UPI environment.
- High FD Rates: The promise of up to 9% interest on fixed deposits is attractive for savers who want to keep their money working.
- Backed by Flipkart: Flipkart’s involvement gives the app credibility, plus potential synergy with its e-commerce ecosystem. India Today+1
How to Use Super.Money – Step-by-Step
- Download the App → Use the links below to install super.money on your device.
- Register → Sign up using your mobile number and link your bank account.
- Set UPI PIN → Create a UPI PIN for secure transactions.
- Start Transacting → Use the “Scan & Pay” feature or pay via UPI to merchants.
- Explore Credit & Savings → Apply for superCard, set up superDeposit, or check if you’re eligible for superCash.
Pros & Considerations
Pros:
- Seamless UPI payments with cashback.
- Clear, no-junk UX.
- Potential to get credit through superCard.
- Fixed deposit access inside the app.
- Supported by trusted financial partners.
Considerations / Challenges:
- Some users report bugs or app crashes. Reddit
- There are reports of “promotional notification overload.” Reddit
- Credit-on-UPI and some financial features may be in limited rollout / select users currently. The Live Nagpur
Download Links
- 📱 Android (Play Store): Download Google Play Store
- 📱 iPhone (App Store): Download via Apple App Store App Store
Security & Trust
Super.money emphasizes strong security and regulatory compliance — they are NPCI-approved for UPI. Super Money The app also partners with well-known banks, including Utkarsh Small Finance Bank and Axis Bank. TechCrunch+1 For users worried about data privacy, the app’s FAQ and privacy details make it clear that account registration and sensitive actions are protected. Super Money
Final Thoughts
The super.money app stands out by combining UPI payments with credit, savings, and rewards — all in one sleek, modern interface. For users who want more than just a payment app — especially younger users or Flipkart shoppers — the features make it a compelling choice. The credit-first model could well shake up how people think about UPI and digital payments.
If you use Indian fintech apps and are looking for a next-gen UPI experience with real cashback and financial services built-in, super.money is definitely worth exploring.
