Introduction & FAQs

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 Ameen Siddiq

31-07-2026

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About Digital Gold

What is digital gold and how is it different from physical gold?

Digital gold allows you to buy 24K gold online without worrying about physical storage, making charges, or security. Unlike physical gold, where you must buy in specific weights (like 1g or 5g), digital gold lets you buy in small fractions based on your budget.

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How does digital gold work?

Absolutely. Your gold is physically stored in highly secure, 100% insured, 24/7 monitored vaults managed by global security experts, ensuring total protection against any physical damage or theft.

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What is the purity of the gold?

We offer 24 Karat gold with 99.9% purity, ensuring you get the highest quality and best value for your investment.

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What are the benefits of investing in Digital Gold?

Investing digitally is a smart way to grow your wealth hassle-free:

• Safety: Your gold is kept in 100% insured, 24/7 monitored vaults.

• Purity Guaranteed: You get certified 24K (99.9% pure) gold.

• High Liquidity: Sell your gold with one click and get the money credited directly to your bank account.

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Are there any hidden fees or convenience fees charged?

No, there are absolutely no hidden fees or convenience fees charged when you buy or sell digital gold on our platform.

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Does my gold expire?

No, your gold never expires. It remains safely in the secure vault until you choose to sell it.

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Is Digital Gold regulated by RBI or SEBI?

Currently, digital gold is not classified as a "security" and falls outside the direct jurisdiction of SEBI or RBI. However, your physical gold is held by a regulated independent Trustee (like IDBI Trusteeship) who ensures that the physical gold in the vault matches the digital balance on your screen at all times.

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Do I earn extra cashback when I buy Gold?

You can earn up to 1% additional cashback on the total value of the digital gold you purchase! This extra reward is applied dynamically based on active offers—so sometimes you might earn extra cashback on your purchase, and sometimes you may not.

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Investment & Transactions

What is the minimum and maximum investment limit?

The absolute minimum purchase value is ₹10. However, the exact minimum amount you need to buy to redeem your cashback is dynamically calculated by our systems. Generally, if you are trying to redeem a larger amount of cashback, your required minimum purchase value will be higher. The app will automatically calculate and display this exact threshold for you before you buy.

Please note that there are also maximum limits in place:

Maximum per transaction: You can buy up to ₹50,000 worth of digital gold in a single transaction.

Maximum holding limit: You can hold a maximum of 20 grams of digital gold in your account at any given time.

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Why is 3% GST being charged?

Just like buying physical gold at a traditional jewelry store, the Government of India mandates a 3% Goods and Services Tax (GST) on all digital gold purchases.

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Why can't I buy gold via Netbanking, Debit, or Credit cards?

To ensure instant settlement and keep transaction costs at zero for you, we primarily support superUPI. Additionally, card providers restrict credit-based transactions for investment assets to prevent debt-backed investing.

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Why is there a 5-minute timer shown while buying or selling?

Gold prices fluctuate every second in the international live market. The 5-minute timer locks the current live rate for you, ensuring the price doesn't change while you are completing your payment.

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Where can I check my invoice?

You can view and download your digital tax invoice in the 'Transaction History' or 'Orders' section of the app immediately after a successful purchase. Select the specific transaction and you will see an option to download the invoice.

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Is there any lock-in period for my digital gold?

Yes, a security lock-in period applies to digital gold transactions. Once you purchase digital gold, there is a 72-hour security lock-in period during which the gold cannot be sold. This policy helps maintain platform stability and enhances account security against unauthorized transactions.

Please Note: This lock-in period is managed in partnership with our vault provider, SafeGold. If you have any specific concerns or need further clarification regarding your holdings, you can reach out directly to their support team.

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Portfolio & Performance

How is the current gold portfolio calculated?

Your portfolio value is calculated in real-time based on the current live market rate of Sell Price. We collaborate with government-accredited vendors to ensure fair, transparent, and competitive prices that reflect the true value of gold.

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How can I track the performance of my investment?

You can track the real-time performance of your investment anytime via your Gold Holdings dashboard. It displays your total gold weight, your current portfolio value based on live market rates, and your overall percentage gain or loss.

How to access it: Simply tap the 'Digital Gold' option under the 'Rewards' tab on the home screen.

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Security & Documentation

Is my digital gold secure?

Absolutely. Your gold is physically stored in highly secure, 100% insured, 24/7 monitored vaults managed by global security experts, ensuring total protection against any physical damage or theft.

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Is a PAN card or verification required to buy gold?

For small amounts, PAN verification is generally not required. You can hold up to 20g of gold on super.money without additional paperwork.

> Please Note: If your total transactions or holdings cross specific regulatory thresholds set by the government or our vault partner (SafeGold), a standard PAN verification will be required to proceed.

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Delivery & Conversion

Can I claim or withdraw physical gold?

Currently, super.money does not offer the option to withdraw your digital gold balance as physical coins or bars. Your holdings are managed securely in digital form, giving you the flexibility to sell them instantly at live market rates for direct bank credit.

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Can I convert my digital gold into jewelry at partner stores?

No, there is currently no option to exchange your digital gold balance directly for jewelry at retail stores. To buy jewelry using your gold savings, you can simply sell your digital gold within the app and use the liquidated funds at your preferred jeweler.

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Profile & Mobile Updates

Can I change my registered mobile number?

To safeguard your assets, your digital gold balance is permanently and securely linked to the mobile number used during your initial purchase. If you must switch numbers, you will need to liquidate your current holdings first before setting up a new profile.

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Purchase Queries

How do I purchase digital gold on super.money?

Digital Gold is currently available exclusively as a reward redemption option. You can turn your cashback into 24K gold by following these steps:

1. Head over to the Rewards tab on your super.money app.

2. Tap the green 'Redeem' button.

3. Select '24K Digital Gold' from the options that slide up from the bottom.

4. Enter the amount you wish to buy in Rupees (₹).

5. Complete your transaction by paying any required top-up balance securely via superUPI.

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What happens if my UPI payment succeeds, but the gold purchase fails?

We know this can be an anxious moment, but your money is 100% safe. If Safegold faces a technical issue right after your UPI payment goes through:

1. Your cashback will be restored instantly to your super.money wallet.

2. The UPI top-up amount will be securely refunded to your bank account within 7 days.

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Why is my gold purchase showing as "Pending"?

A pending status usually means your payment is undergoing final verification with the bank network or our gold vault partner. Your transaction status will be automatically updated within 48 hours. If the purchase is successful, your gold locker will update instantly. If it fails, your money is completely safe and a full refund will be credited to your source bank account within 5 to 7 working days.

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Can I cancel my gold purchase?

Once a digital gold purchase is successful, it cannot be canceled or reversed. This is because physical gold is instantly bought at live market rates and securely transferred to an insured vault under your name. However, if you wish to liquidate your investment, you can easily sell your gold through the app once the standard 72 hours security lock-in period is complete, and the funds will be credited directly to your bank account.

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Why is the price changing every time I open the app?

Gold is a live-market commodity, and its price fluctuates globally based on real-time market dynamics. To protect you from sudden rate spikes while you are entering your details, we provide a 5-minute price lock timer at checkout. This features "freezes" your rate for exactly 5 minutes. If your payment isn't completed within this window, the price will automatically refresh to reflect the latest international market rate, ensuring you always get a fair and transparent price.

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The payment was successful, but the gold is not showing in my portfolio.

I understand it can be concerning if your gold balance doesn't update immediately. If your payment was successful, your transaction might be undergoing final confirmation between the bank network and our vault partner. Please allow up to 48 hours for your gold locker to reflect the update. If the transaction ultimately fails, your money is completely safe and a full refund will be automatically credited to your source bank account within 5 to 7 working days.

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Selling Queries

How do I sell my digital gold?

Selling your digital gold is quick and easy! You can instantly liquidate your holdings back into your bank account by following these simple steps:

1. Open your super.money app and go to the Rewards tab.

2. Select 'Gold' to open your current holdings dashboard.

3. Tap the 'Sell Gold' button.

4. Enter the value you wish to liquidate in Rupees (₹) and confirm.

Please note: To keep your account secure, your gold must be held for at least 72 hours following its purchase date before it becomes eligible to sell.

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Why is my "Sell" button disabled?

If your 'Sell' button is greyed out or disabled, it is typically due to one of two standard platform rules:

• The 72 hours Security Lock-In Period: For account protection and settlement safety, gold cannot be sold within 72 hours of its purchase date.

• Minimum Transaction Value: Please check the value you are trying to sell. Our platform requires a minimum transaction threshold of ₹10 to initiate a sale back to your bank account.

If 72 hours have already passed since your last purchase and you are trying to sell an amount higher than ₹10, please contact super.money support so we can verify your account status.

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I sold my gold, but the money hasn't reached my bank account.

I understand it is concerning when your funds aren't visible right away. Following a successful gold sale, the money is transferred directly to your linked source bank account. While most transactions clear instantly, bank network processing or temporary downtime can occasionally cause delays. Please check your bank statement after 48 hours. If the funds are still missing after this window, feel free to contact super.money support with your transaction ID so we can track it down for you.

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Why is the "Sell" price lower than the "Buy" price?

The difference between the buy and sell price is known as a buy-sell spread. When you purchase gold, your buy price includes non-recoverable external costs mandated by the government, such as a 3% Goods and Services Tax (GST), alongside secure vaulting and 100% insurance charges. Furthermore, our live gold prices are tied to the real-time international market, which fluctuates continuously. You can check the live rates anytime directly on your app dashboard before finalizing your transaction.

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Can I sell only a portion of my gold or do I have to sell everything?

You have full control over your savings! You are not required to sell your entire gold holding at once. You can easily choose to sell a specific value in Rupees (₹), as long as the portion you are selling meets our minimum transaction requirement of ₹10. Any remaining gold will continue to stay 100% secure in your digital locker until you are ready to sell it later. There is a minimum lock in period of 72 hours.

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I tried selling my gold but it failed.

I understand it is frustrating when a transaction doesn't go through as expected. A gold sale can occasionally fail due to a temporary glitch with the banking network or a brief connection drop with our vault partner. When this happens, your gold balance is completely safe and will remain securely stored in your digital locker. Please wait a few moments, ensure you have a stable internet connection, and try the sale again. If the issue persists, please reach out to super.money support with your transaction details.

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I tried selling my gold, but it is in processing. When will it be successful?

A processing status means your bank network or our gold vault partner is completing final security and clearance checks. While most sales settle very quickly, it can occasionally take up to 7 working days for the funds to clear during bank banking delays. Rest assured, your investment is completely secure. Please monitor your linked bank account for the credit, and if the status does not update after 7 working days, reach out to super.money support with your transaction details.

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