Kotak811 super.money Credit Card

Kotak Mahindra Bank · Open to apply

A lifetime-free RuPay credit card secured by a Kotak811 fixed deposit from ₹1,000 (limit up to 90% of the FD): 1% cashback on most spends, 2% on Flipkart and 5% on Myntra, credited through the super.money app. No cash advances.

Annual fee
Lifetime free
Joining fee
None
Base rate
1% cashback on other spends: 1% cashback (about 1% at cash value)
Lounges
None on record
Forex markup
2%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 5% cashback on Myntra: 5% cashback (about 5% at cash value)
  • 2% cashback on Flipkart: 2% cashback (about 2% at cash value)

Earns nothing on

  • No cashback on wallet loads, utilities, telecom, fuel, rent, insurance, education, government, loan or card-bill payments, jewellery, gaming, tolls and EMI

Where the sources disagree

  • card replacement fee: The KFS (12 Mar 2026) gives ₹100 for lost or damaged cards; the MITC (Oct 2026) says nil for the Kotak811 Super Money card. Not entered.
  • scope of the 1% UPI cashback: The T&C and Kotak811's page give 1% on UPI "via the super.money app". Whether UPI paid elsewhere earns is not stated.

Terms the calculator does not value

  • UPI payments through the super.money app earn 1% (transactions of ₹100 or more) but a separate cap of ₹500 cashback a month; the calculator applies the 1% base rate and the ₹10,000 monthly cap to UPI spends, so UPI value above ₹500 a month is overstated.
  • Cashback is lost if two consecutive billing cycles are missed or card payments are overdue; maximum cashback is ₹11,000 a billing month (₹10,000 other, ₹500 UPI, ₹500 Flipkart and Myntra).
  • Joining fee of ₹249 applies to a physical card when the FD is under ₹5,000.

Sources

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