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Axis SuperMoney vs Union Bank Nexteria (RuPay Ekaa)

Compare Axis SuperMoney vs Union Bank Nexteria (RuPay Ekaa) across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

Axis SuperMoney has the strongest mix of rewards and low fees in this comparison.

Card 1

Axis SuperMoney

Monthly spenders who want visible cashback without chasing complex reward conversions.5.2

Card 2

Union Bank Nexteria (RuPay Ekaa)

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0
Axis SuperMoney
No-fee value5.2

axis / RUPAY

Axis SuperMoney

Annual

₹0

Return

3%

Lounges

0

Forex

3.5%

Card summary
  • Axis SuperMoney leans cashback-first with ₹0 annual fee, 3% headline return potential, and 0 lounge access.
Pros
  • No annual fee improves first-year and renewal value.
  • 3% cashback keeps value easy to understand.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Low ownership cost with upside from recurring spends.

Full card details
Union Bank Nexteria RuPay Ekaa
Premium stack10.0

union / RUPAY

Union Bank Nexteria (RuPay Ekaa)

Annual

₹12,499

Return

1%

Lounges

Unlimited

Forex

3.5%

Card summary
  • Union Bank Nexteria (RuPay Ekaa) leans travel and lifestyle with ₹12,499 annual fee, 1% headline return potential, and Unlimited lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹12,499 annual fee.
  • 1% cashback keeps value easy to understand.
  • Unlimited lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Higher ₹25,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details
Metric
Axis SuperMoney
Union Bank Nexteria (RuPay Ekaa)
Fees
Annual fee
₹0
₹12,499
Joining fee
₹0
₹12,499
Rewards
Cashback rate
3%
1%
Reward rate
1%
1%
Travel
Forex markup
3.5%
3.5%
Domestic lounges
0
Unlimited
International lounges
0
Unlimited
Benefits
Fuel waiver
Yes
No
Dining
No
Yes
Movies
No
Yes
Eligibility
Minimum income
₹30,000
₹25,00,000

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