super.money Review: Cashback, FD, Referral & Is It Worth It? (2025)
super.money is a fintech UPI app backed by Flipkart, offering cashback, FD-based credit card, and a referral program. But is it real or hype?
In this full review, I’ll break down features, earnings, referral tips, and how to use super.money smartly — especially if you're looking for passive income with ₹0 investment.
💼 What Is super.money?
super.money is a Bengaluru-based fintech app launched in 2024. It has processed 175+ million UPI transactions and is India's 6th-largest third-party UPI app.
- superUPI – Get 5% cashback on eligible payments
- superFD – Earn 9% interest on FDs
- superCard – FD-backed credit card for building credit
- superPayLater – Interest-free EMI split
💸 Cashback & “Gift a Friend” Referral Program
super.money offers small UPI cashback for everyday merchant payments, typically capped at ₹5 per transaction. Users also earn referral rewards via the “Gift a Friend” meme link.
Example: Refer a friend → They enable UPI → You both get ₹11–₹15 cashback.
👉 Click here to try super.money and get instant cashback now
✅ Is super.money Legit?
Yes. It's:
- ✅ Backed by Flipkart
- ✅ Partnered with Utkarsh Bank, Axis, IndusInd
- ✅ Has processed millions of transactions
🗣️ Users confirm real cashback — although it drops over time.
🧾 Real User Feedback (From Reddit)
- “Got ₹145 cashback on ₹15K spend.”
- “Cashback drops to ₹0.50 after 5 transactions.”
- “Customer support is weak.”
🛠Feature Summary Table
| Feature | What It Offers | Rating |
|---|---|---|
| UPI Cashback | Up to ₹5 per txn (5%) | ⭐ 4/5 |
| superFD | 9% FD returns | ⭐ 5/5 |
| superCard | FD-backed RuPay credit card | ⭐ 3.5/5 |
| Referral | One-time cashback (₹11–₹15) | ⭐ 4/5 |
🎯 How to Use super.money Effectively
- 🛒 Use for daily QR-code payments (₹5 cashback)
- 👨👩👧 Refer friends for quick ₹11–₹15 boost
- 💳 Try FD-backed card if you’re building credit
📌 Referral CTA
👉 Download super.money from here and claim your first ₹11 instantly
❓ Frequently Asked Questions (FAQs)
1. Is super.money a real app?
Yes, it is a Flipkart-backed app with real cashback and FD options. Many users have received cashback and used its credit features.
2. How much cashback can I earn from super.money?
Up to ₹5 per UPI transaction, with a daily limit. You can also earn via referrals, but cashback drops after daily usage.
3. Is it better than Cred or Paytm?
No, super.money offers limited cashback compared to Paytm or Cred. It’s a good backup option or for trying new features like superFD.
📚 Related Posts You’ll Like:
- Top Refer & Earn Apps in India 2025
- Passive Income Ideas with ₹0 Investment
- ZET App Review – Earn ₹600 per Referral
✅ Final Verdict
super.money is a unique fintech app with legit cashback, FD, and referral options. Use it for small payments and short-term referrals, but don’t expect high or long-term rewards like traditional cashback cards.
👉 My Tip: Use super.money for small rewards and FD savings, and combine it with apps like ZET or Growfitter USE CODE:- VIKRG2FW for real passive income.