MobiKwik Credit Card Review (SBM MobiKwik First)
The MobiKwik credit card — officially the SBM MobiKwik First — is an FD-backed card that rewards spends with SuperCash, the MobiKwik wallet currency. It’s accessible (secured) and pays strong SuperCash on online and app spends. Here is the verified review.
- 10% SuperCash on online & POS spends
- 5% on MobiKwik Scan & Pay; 1% on third-party UPI
- FD-backed — easy approval, credit-building
- Welcome rewards worth up to ₹10,000
- 1 SuperCash = ₹1 (clear value)
- Secured — requires a fixed deposit
- SuperCash usable within the MobiKwik app
- Excludes dating, gambling, government spends
- SuperCash credited ~7 days after statement
- Caps may apply — verify in-app
Rewards (SuperCash)
| Spend type | SuperCash |
|---|---|
| Online & POS | 10% |
| MobiKwik Scan & Pay | 5% |
| Third-party UPI | 1% |
| Value | 1 SuperCash = ₹1 |
| Welcome | Rewards worth up to ₹10,000 |
| Excluded | Dating, gambling, government services |
Eligibility & documents
Type
Secured (FD-backed)
Issuer
SBM Bank × MobiKwik
Redemption
SuperCash in MobiKwik app
Best for
MobiKwik users; credit-builders
Apply via
MobiKwik app
Documents
PAN, Aadhaar, FD
Who this card is for
- Best fit: MobiKwik users and credit-builders who want strong SuperCash on online spends via an FD-backed card.
- Skip if: you want an unsecured card or rewards redeemable outside MobiKwik.
How to apply & how to cancel
Apply: via the MobiKwik app (FD-backed, SBM Bank). Cancel: request closure in-app after clearing dues; the FD is released on closure.
Final verdict
The MobiKwik SBM First is a strong FD-backed option for MobiKwik users — 10% SuperCash on online/POS and 5% on Scan & Pay deliver real value, and the secured structure makes it easy to get and good for credit-building. Just remember SuperCash lives in the MobiKwik app and the card is secured against an FD.
Frequently asked questions
Which card is the “MobiKwik credit card”?
The SBM MobiKwik First — an FD-backed credit card issued by SBM Bank in partnership with MobiKwik.
How much SuperCash does it earn?
10% on online and POS spends, 5% on MobiKwik Scan & Pay, and 1% on third-party UPI (1 SuperCash = ₹1).
How is SuperCash used?
For recharges, bill payments and gift cards in the MobiKwik app, credited within about 7 working days of the statement.
Is it secured?
Yes — it’s backed by a fixed deposit, which makes approval easy and helps build credit.
Data current as of June 2026, cross-checked against SBM Bank and MobiKwik. Confirm current terms in the MobiKwik app before applying.