Few studies have directly examined mental representations of supernaturally monitored morality, as they are reflected in world religions as conceptions of karma and God. In seven samples (total N= 3861), we use an open-ended free-list task to investigate participants' mental representations of God and karma, among culturally diverse samples from the USA and India, including Hindu, Buddhist, Christian, and non-religious participants. Key results showed that (1) there is substantial consensus among believers that actions relevant to interpersonal cooperation (e.g., generosity, harm, fairness, and honesty) are highly relevant to both karma and God beliefs; however, (2) God is prototypically represented as a personified, social agent, who believers have a devotional relationship with, whereas karma is more commonly conceived of as a non-agentic causal process, through which moral actions generate commensurate good and bad consequences; (3) God-but not karma-is expected to reward and punish acts of religious devotion, in addition to the harm and fairness norms that characterize interpersonal prosociality; and (4) karma-more than God-is expected to reward generosity and punish greed. These findings show how culturally-constructed religious beliefs shape expectations about the consequences of moral behavior. A greater understanding of the mental representations of karma and God contribute to cultural evolutionary theories of supernatural norm-enforcement and its role in large-scale cooperation.