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▾MobiKwik SuperCard Credit Card Review
Best for: MobiKwik wallet users wanting an integrated credit card with MobiKwik-specific accelerators.
- 5% cashback on MobiKwik (capped)
- 46-day interest-free period
- Welcome ₹500 MobiKwik voucher
- Y1 fee waiver on first spend
- Easy app-based issuance
- Lower APR than bank cards (1.99% p.m.)
- Narrow MobiKwik ecosystem
- Base earn weak
- NBFC-issued acceptance variable
- Forex 3.5%
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹499 + GST (Y1 free) |
| Renewal fee | ₹499 + GST |
| Finance charge | 1.99% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up to ₹1,300 |
Rewards structure
MobiKwik wallet and bill-pay spends earn 5% cashback (capped ₹250/month). Base 1% on other retail. 46-day interest-free credit period (vs typical 50 for bank cards).
Key benefits
- 5% on MobiKwik (cap ₹250/month)
- 46-day free-credit period
- Welcome MobiKwik ₹500
- Y1 fee waiver
- Lower APR 1.99%/month
Who the MobiKwik SuperCard is for
MobiKwik heavy users doing ₹5K+/month on the platform. Others should skip.
Final verdict
MobiKwik-ecosystem card. Useful only if you have existing MobiKwik usage. Competing fintechs (Uni, Slice) offer broader value.
FAQ
Is SuperCard a prepaid or credit card?
Credit card, not prepaid. Standard revolving credit line structure.
Who is the NBFC partner?
MobiKwik partners with multiple NBFCs including DMI Finance for credit underwriting.
Does 5% apply to MobiKwik wallet loads?
Wallet loads typically don't qualify. Actual bill pay and merchant spends via MobiKwik do.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.