Looking for a verified super.money referral code or invite link? The Flipkart-backed fintech app super.money is currently the fastest-growing UPI payments app in India. Unlike older payment apps that offer scratch cards with third-party discount coupons or “better luck next time,” super.money gives you real, direct cash deposited into your bank account. By signing up through the verified invite link below, you can unlock up to ₹100 real cashback on your very first payment plus up to 5% flat cashback on every merchant transaction.
First-Hand Verification: Our team tested the signup flow using the official super.money invite link on both Android and iOS devices. The platform uses automatic deep-link binding (no manual referral code needed). After connecting an Indian bank account via NPCI UPI and completing a first test merchant QR scan, an instant welcome cashback of ₹48 was deposited straight into our primary bank account within 3 seconds.
super.money Referral Offer • November 2026
What is super.money (Flipkart UPI)?
super.money is a next-generation UPI and financial services application launched under the Flipkart Group (D2R Innovations). It was built from the ground up to solve the biggest frustration users have with legacy payment apps: fake rewards, useless discount vouchers, and cluttered interfaces filled with advertisements.
Operating as a third-party application provider (TPAP) in partnership with Axis Bank and fully authorized by the National Payments Corporation of India (NPCI), super.money lets you scan any merchant QR code (Google Pay, PhonePe, Paytm, BharatPe) or send money directly to UPI IDs and phone numbers. The game-changing difference? You get guaranteed real cashback deposited straight into your bank account on almost every payment.
| Feature / Parameter | super.money (Flipkart) | Legacy UPI Apps (GPay, PhonePe) |
|---|---|---|
| Welcome Bonus | Up to ₹100 Real Cash | ₹0 to ₹21 random coupon |
| Reward Format | Direct Bank Transfer | Third-party brand discount coupons |
| Merchant Scan & Pay Cashback | Up to 5% Real Cash | Scratch cards with “Better Luck Next Time” |
| App Interface | Minimalist, Fast & Ad-Free | Cluttered with ads, insurance & games |
| Banking Partner | Axis Bank & NPCI | Multiple Partner Banks |
| Credit Card on UPI | superCard (Co-branded RuPay) | Standard RuPay Credit Support |
How to Apply super.money Referral Link & Claim Up to ₹100 Cashback
Because super.money uses modern deep-linking technology, you do not need to hunt for a manual referral code text box. Follow these exact steps to make sure your referral bonus is registered correctly:
- Click the Verified Link: Tap on the official super.money Referral Link (link.super.money/LXElMxjBGWb) from your smartphone.
- Download App: You will be instantly redirected to the official listing on the Google Play Store (Android) or Apple App Store (iOS). Tap Install.
- Mobile Verification: Launch the app and enter the mobile number that is linked to your bank account. Allow the required SMS and device permissions.
- Link Bank Account: Select your bank from the list (SBI, HDFC, ICICI, Axis, PNB, etc.). The app will fetch your account through NPCI and configure your UPI ID.
- Make Your 1st Payment: Tap on Scan & Pay and scan any offline merchant QR code (such as at a local grocery store, tea shop, or petrol bunk) or send a small amount.
- Claim Your Cashback: Immediately after transaction confirmation, your welcome cashback of up to ₹100 will be credited directly to your bank account!
Why Everyone in India is Switching to super.money
- 1. Up to 5% Cashback on Every Merchant Scan: Whether you are buying groceries on Zepto or Blinkit, ordering lunch on Swiggy or Zomato, or buying medicine, super.money rewards you with flat percentages of real money back.
- 2. 100% Real Money, Zero Coupon Clutter: You never have to deal with expiring vouchers for brands you will never use. The cashback is credited directly as Indian Rupees into your linked bank account.
- 3. Lightning-Fast UPI Infrastructure: Powered directly by Axis Bank’s dedicated cloud-native UPI stack, super.money achieves industry-leading transaction success rates with near-zero technical failure rates.
- 4. superCard (RuPay Credit Card on UPI): Users can also apply for the co-branded superCard, allowing you to link your credit line to UPI and earn rewards on everyday merchant payments.
- 5. High-Security NPCI Compliance: Built under the strict regulatory standards of the Reserve Bank of India (RBI) and NPCI, your banking credentials, MPIN, and card details are protected with bank-grade encryption.
super.money Refer and Earn Program: Earn Daily Passive Cash
Once you have registered on super.money and completed your first transaction, you can also join the super.money Refer & Earn program to earn real cash rewards by inviting friends and family:
- How to Find Your Link: Open the super.money app, tap on your profile avatar in the top corner, and select “Refer & Earn”.
- Share Your Invite: Copy your unique invite link and share it directly via WhatsApp, Telegram, or social media.
- Get Rewarded: When your friend downloads the app through your link, links their bank, and makes their first payment, both you and your friend receive cash rewards deposited straight to your respective bank accounts!
Pro-Tips to Maximize Your Earnings on super.money
- Use for Small & Large Daily Payments: Many users only use UPI for large transfers. On super.money, even smaller daily transactions (₹20, ₹50, ₹100) earn consistent cashback.
- Scan Merchant QRs Instead of P2P: Merchant payments (Scan & Pay at businesses or online checkout) trigger the highest cashback percentage tiers compared to simple friend-to-friend money transfers.
- Keep Notifications Enabled: super.money regularly runs limited-time “Super Hours” and festive bonus multipliers where cashback percentages bump from 2% up to 5%–10% on select partner merchants.
Other High-Paying UPI & Cashback Offers
Looking to maximize your cashback across other top Indian fintech platforms? Check out our other tested and verified referral guides:
- CRED Referral Link & Code: Claim Up to ₹1,000 + ₹250 Cashback
- PhonePe Referral Link: Claim ₹200 + Cashback Deals
- Best UPI Refer and Earn Apps in India (2026 Edition)
- Amazon Pay UPI Referral Code: BQEND5 (Claim Flat ₹25 Cashback)
Frequently Asked Questions (FAQ)
What is the super.money referral code for 2026?
super.money does not use a manual referral code text box. Instead, the referral program is completely deep-link driven. Clicking the official invite link (https://link.super.money/LXElMxjBGWb) automatically binds the referral reward to your mobile number during registration.
What is the welcome sign-up bonus on super.money?
New users who sign up via a valid referral link receive up to ₹100 real cashback deposited directly into their linked bank account upon completing their first successful UPI transaction.
How is the cashback credited on super.money?
Unlike Google Pay or PhonePe which often reward users with third-party discount vouchers, super.money deposits real cash directly into your primary linked bank account within seconds of transaction completion.
Who owns the super.money app?
super.money is backed by the Flipkart Group (D2R Innovations Pvt Ltd) and functions as an NPCI-approved UPI Third-Party Application Provider (TPAP) in partnership with Axis Bank.
Is super.money safe and approved by NPCI?
Yes, super.money is fully licensed by NPCI and RBI guidelines. All transactions are protected by two-factor authentication, bank-grade encryption, and your personal UPI PIN.
What is the minimum payment required to get the welcome cashback?
There is no high minimum spend requirement. Making a small transaction (even ₹10 or scanning any local merchant QR code) triggers your first-payment welcome cashback.