Kotak Mahindra Bank
Kotak811 super.money Credit Card
Cashback: 5% on Myntra and 2% on Flipkart when you pay by card (not UPI), 1% on UPI payments made in the super.money app, and 1% on other card spends. UPI and other spends need a payment of at least ₹100. Per billing cycle, UPI cashback is capped at ₹500 and Flipkart cashback at ₹500 (₹100 a transaction).
- ₹249 joining, no annual fee
- Works on UPI (RuPay)
- RuPay
Pros and cons
Good
- Works on UPI and earns 1% there
- Low forex markup (2%)
- No income proof needed: issued against a fixed deposit
Watch out for
- No major catch against the cards we compare.
- Who it's for
- People whose spending matches its best category: everyday spends.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 1% (base rate)
- Online shopping
- 1%
- Groceries
- 1%
- UPI
- 1%
- Travel
- 1%
- Bills and utilities
- 1%
- Dining and food delivery
- 1%
Fees and charges
- Joining fee
- ₹249
- Annual fee
- Free
- Fee waiver
- No annual fee. There's no joining fee if your FD is ₹5,000 or more, or if you use only the virtual card. A ₹249 joining fee applies when the FD is under ₹5,000 and you ask for a physical card.
- Forex markup
- 2%
- Fuel surcharge waiver
- Kotak doesn't list a fuel surcharge waiver for this card.
Benefits and eligibility
- Airport lounge
- None
- Card network
- RuPay
- UPI payments
- Yes, as a RuPay credit card
- Minimum income (salaried)
- Not published by the bank
- Eligibility
- Issued against a Kotak Mahindra Bank fixed deposit of ₹1,000 or more, booked in the super.money app; the limit is up to 90% of the FD, and you can add FDs to raise it. You need a Kotak811 savings account (opened in the same app journey with video KYC), must be 18 or over and an Indian resident, and need valid KYC; no CIBIL score is needed. You can withdraw the FD later, but your limit falls with it. Cash withdrawals aren't allowed. If dues stay unpaid for more than 60 days, the bank can use the FD to recover them. Issuance at Kotak's discretion.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the Kotak811 super.money Credit Card?
View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by Kotak Mahindra Bank.
Related guides
- How to Choose a Credit Card by Your SpendingPick a credit card by what you spend: what a reward point is worth, caps, lifetime free vs paid fee maths, UPI, lounges and eligibility, with ₹ examples.
- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
Questions people ask
Is the Kotak811 super.money Credit Card worth it in 2026?
Only if most of your spending is on everyday spends.
Is the Kotak811 super.money Credit Card lifetime free?
No. It costs ₹249 to join and ₹0 a year, plus GST. No annual fee. There's no joining fee if your FD is ₹5,000 or more, or if you use only the virtual card. A ₹249 joining fee applies when the FD is under ₹5,000 and you ask for a physical card.
Does the Kotak811 super.money Credit Card work on UPI?
Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 1% on UPI spends.
Does the Kotak811 super.money Credit Card give airport lounge access?
No complimentary airport lounge access.
What earns no rewards on the Kotak811 super.money Credit Card?
Kotak hasn't published a list of spends that don't earn cashback on this card. UPI cashback counts only for payments made in the super.money app, and UPI and other spends below ₹100 earn nothing. Cash withdrawals aren't allowed on this card.
Is there a limit on rewards with the Kotak811 super.money Credit Card?
1% UPI cashback (super.money app only, payments of ₹100 or more) is capped at ₹500 a billing cycle, reached at ₹50,000. 2% Flipkart cashback (card payments, not UPI) is capped at ₹500 a billing cycle and ₹100 a transaction. Flipkart isn't a reward_rate key. 1% on other card spends (payments of ₹100 or more) is capped at ₹10,000 a billing cycle, as the bank's table states.
Who can get the Kotak811 super.money Credit Card?
Issued against a Kotak Mahindra Bank fixed deposit of ₹1,000 or more, booked in the super.money app; the limit is up to 90% of the FD, and you can add FDs to raise it. You need a Kotak811 savings account (opened in the same app journey with video KYC), must be 18 or over and an Indian resident, and need valid KYC; no CIBIL score is needed. You can withdraw the FD later, but your limit falls with it. Cash withdrawals aren't allowed. If dues stay unpaid for more than 60 days, the bank can use the FD to recover them. Issuance at Kotak's discretion. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read Kotak Mahindra Bank's own product page on 20 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 20 Oct 2026 on Kotak Mahindra Bank's official page. Fees and rewards change; check the issuer's terms before you apply.