With so many UPI apps and RuPay credit cards available today, figuring out which one offers the best benefits can be confusing. I already had an ICICI Rupay credit card, and was looking for better alternative, when someone from the community suggested Supermoney UPI App has good cashback.
So, I decided to test this out myself over the last two months by tracking my daily expenses using two tools:
The SuperMoney UPI app
My ICICI RuPay credit card
Here’s what I found.
1. My Spending & Rewards Breakdown
SuperMoney UPI App
Total Amount spent: ₹20,380
Cashback earned: ₹98
Effective cashback rate: ~0.5%
I used SuperMoney for all types of payments: to individuals, small businesses, and merchants. The cashback varies depending on the recipient:
Lower cashback on transfers to savings accounts
Higher cashback on payments to businesses—especially those that support credit card payments
💳 RuPay Credit Card (ICICI)
Total spent: ₹49,992
Rewards earned: ~1,000 points ≈ ₹250
Effective reward rate: ~0.5%
The RuPay card gave consistent rewards across most spending categories, and being a credit card, it offered up to 30-40 days of credit, which is a bonus in itself.
2. Effective Net Cashback
Here’s where it gets exciting. When used together,  RuPay credit card through the SuperMoney app—I effectively get 1% cashback on my overall expense.
0.5% cashback from SuperMoney
0.5% reward from the RuPay card
That adds up to an effective 1% return on my expenses with 60-70% being done by credit card. Makes it a pretty decent deal for daily expenses.
3. Conclusion
Both SuperMoney and RuPay credit cards offer similar returns individually (~0.5%), but their real strength is in how they complement each other:
RuPay credit card gives you standard rewards plus credit for up to 45 days.
SuperMoney offers cashback even on savings account transfers and to merchants who don’t accept credit cards—which is a great.
So depending on where and how you’re spending, you can choose or combine the two for maximum benefit.
4. The Search for a Better Credit Card
While this combo works well, I’m still on the hunt for a RuPay credit card that gives better cashback or rewards—especially for daily use.
There are lot of options now in the market, both by big banks & young startups.
Banks: IDFC First, IndusInd
Startups: Fibe, Jupiter, Kiwi, and others
Some of these newer players are offering fresh benefits, app-based tracking, and better integrations with UPI apps and wallets.
If you’ve used any of these cards—or found one with better perks—let me know in the comments. I’d love to try it out and compare results.
Final Word
If you’re looking to optimize everyday spending, using a RuPay credit card with a cashback-focused UPI app like SuperMoney could be a smart move. You get the benefit of rewards, credit, and cashback—even on savings account transfers.
Got a favorite RuPay card or rewards app? Share your experience—I’m all ears!