I didn’t think any “innovation” would have been possible in the UPI Payments space but I am pleasantly surprised with super money.

There are a few reasons why I stick to the app –

1. The gigantic scanner – Turns out, ~80%+ of all UPI transactions are scan to pay. They ended up using this insight to create a large scanner on the landing page which almost takes up 50% of the screen. Will a typical user be able to discern the difference? I am not sure but I sure need to concentrate a minor (but not insignifcant) amount less on my screen compared to other applications. This adds up when I end up making about 70 to 80 payments every month.
2. The Cashback ATM – The air around payment app discounts and cashbacks is massively exxaggerated. Between those mindless arcade wheels and coupons which are essentially promotional ad spaces, Super money promises a flat cashback which you can redeem from your digital “ATM” anytime. I am not big on cashbacks, but atleast I don’t feel indignant for a change.
3. Autopay list – Easily accessible, I can disable and track subscriptions easily.
4. Transaction History – PDF download available, helps to analyse payments history.

Beyond this, I appreciate the UPI Lite feature with auto top-up but it seems other players also offer the same features.

More than anything, I get a refreshing sense of joy while using the app – which I am unable to articulate.

Did i get the card?

No, but it seems decent for UPI cashback or a LTF card. As of 29th December, 2025 it promises Flat 3% on UPI payments, though there seems to be a max cap of 500 rupees per month. Along with that, you get 2-4% discounts on preferred merchants like Myntra and Flipkart. It does not make sense for me as most of my UPI payments are P2P and not P2M (Plus, I already have the Flipkart co-branded card).