Flat 5% cashback on Myntra
Flat 3% cashback on Cleartrip
Flat 2% cashback on Flipkart
Flat 1% cashback on all UPI spends
Kotak811 super.money RuPay Credit Card
The Kotak811 super.money Credit Card is a co-branded RuPay card offered by Kotak811 in partnership with super.money. It is an FD-backed credit card designed for users who want to build their credit score while earning assured cashback on every purchase. The card brings together the power of savings, spending, and rewards in one simple account. If you’re looking for the best super.money credit card to combine savings, credit, and rewards in one place, this one delivers it all.
Why Choose the Kotak811 super.money Credit Card?
This card combines the benefits of an FD-backed credit line, UPI payments, rewards...
One account - 3X benefits
FD-backed credit card, 6%* FD interest with no minimum balance
Lifetime free
FD-backed credit card*
Enjoy lifetime benefits with zero annual fees
Instant approval without CIBIL score
Just book an FD starting at ₹1,000
Scan & pay with credit card
Be UPI ready with direct linkage on your Rupay Credit Card
Be UPI ready with direct linkage on your Rupay Credit Card
Your credit limit, your choice
Choose your credit limit by linking multiple FDs starting at ₹1,000
How it works
The Kotak811 super.money Credit Card is an FD-backed credit card. It is issued against a fixed deposit, with your credit limit being 90% of your FD value.
Your credit card bill will not affect your FD or savings a/c balance as long as you pay your bill on time. Save on every purchase, big or small with cashback and improve your CIBIL score at the same time with the Kotak811 super.money Credit Card.
T&C Apply*. FD interest rates are subject to change. Issuance of credit cards is at the sole discretion of Kotak Mahindra Bank Limited. All features and benefits are subject to credit card terms and conditions.
How to get started?
Apply online in minutes
Book an FD - minimum ₹1,000
Get your virtual credit card instantly
Kotak811 super.money Credit Card Eligibility Criteria
- Minimum age: 18 years
- Must hold or open a Kotak811 Savings Account
- Book a fixed deposit of at least ?1,000
- Valid KYC documents as per RBI norms
- Indian resident customers only
super.money Credit Card Fees and Charges
| Fee Type | Details |
| Joining Fee | ?249 charged for customers with credit limit < ?4500 and if they opt for a physical card |
| Annual Fee | NIL |
| FD Requirement | Minimum ?1,000 |
| Fee Type | Details |
| Finance Charges | 3.50% per month (42% p.a.) |
| Cash Withdrawal Fee | Cash withdrawal is not permitted |
| FD Requirement | As per card terms & conditions |
Partner Offers and Privileges
Enjoy exclusive privileges and partner offers through the super.money ecosystem. Access limited-time deals, shopping discounts, and travel perks on Myntra, Cleartrip, Flipkart, and other partner platforms directly linked with your super.money Credit Card. Here is the existing cashback structure:
| Mode of payment | Platform | Cashback % | Rules |
| UPI | Via super.money app | 1% |
|
| Non-UPI | On Flipkart | 2% |
|
| Non-UPI | On Myntra | 5% | |
| Non-UPI | On Cleartrip | 3% | |
| Non-UPI | Other platforms | 1% |
|
Build Your Credit Score
Using this FD-backed credit card responsibly helps you establish and grow your credit history. Pay your bills on time and enjoy the benefits of improved credit eligibility for future loans or unsecured cards. If you are applying for your first credit product, you can apply for the super.money Credit Card through the Kotak811 App and start building your credit profile securely.
How to apply for the Kotak811 super.money Credit Card?
- Log in to the super.money app.
- If you are not an existing Kotak811 Account holder, complete VKYC and open your Kotak811 Savings Account.
- An FD will be booked starting at ?1,000.
- Get your instant virtual credit card and start earning cashback.
Get cashback on every swipe
Join the waitlistAsk 811
Frequently Asked Questions
What is Kotak811 super.money 3 in 1 Super Account?
Kotak811 super.money 3 in 1 Super Account is an all in one account that brings together savings, credit and FD. You get the convenience of a zero balance savings account, benefits of an FD and freedom of a credit card all working together to help you save more, spend smart and build your credit journey.
What are the benefits of Kotak811 super.money 3 in 1 SuperAccount?
Kotak811 super.money 3 in 1 SuperAccount offers three key benefits in one powerful package saving, earning and spending smartly. It comes with a zero balance saving account, FD earning interest up to 6%* p.a. and a secured credit card offering up to 90% FD value as limit. You can also enjoy 5% cashback on Myntra, 3% cashback on Cleartrip, 2% cashback on Flipkart & 1% cashback on UPI and non-UPI spends.
What is Kotak811 super.money Credit Card?
Kotak811 super.money Credit Card is a credit card issued against your Fixed Deposit (FD). You can start with an FD starting for just ₹1,000 and enjoy:
- Credit limit up to 90% of your FD
- Lifetime free card (no annual fee)
- Attractive interest rates on FD
- Cashback benefits on eligible spends
How can I get Kotak811 super.money 3in1 SuperAccount?
Simply download the super.money app from Google Play Store or Apple App Store, complete the application journey, and get your credit card, fixed deposit and savings account instantly.
How long does it take to get the card after applying?
It’s instant! Once your FD is booked and your application completed, your virtual credit card is issued immediately.
Is there any joining fee or annual fee?
The credit card is lifetime free for customers who make an Fixed Deposit of ₹5,000 or more. A joining fee of ₹249 (excluding taxes) is applicable for an FD of less than ₹5,000 and you opt for a physical card.
How do I repay my Kotak811 super.money Credit Card dues? Will it be adjusted against my FD?
No, your monthly card bill must be paid as per the statement before the due date.
- If dues remain unpaid for over 60 days, your FD may be liquidated to settle the outstanding amount.
- Timely payments help maintain your CIBIL score and avoid late fees.
How can I increase my Kotak811 super.money Credit Card limit?
You can enhance your limit anytime by:
- Opening the super.money app
- Navigating to Card Section → Deposits → Increase Credit Limit
- Adding more funds to your FD
Can I withdraw my fixed deposit after getting the credit card?
Yes, you can withdraw your FD. However, your credit limit will be reduced proportionately based on the remaining FD amount.
Will my fixed deposit continue earning interest while linked to the credit card?
Absolutely! Your FD continues to earn interest at the prevailing rate even while securing your card.
What happens if I miss my Credit Card payment?
- Delayed payments attract interest and late fees
- Your CIBIL score may be impacted
- Persistent default beyond 60 days can lead to FD liquidation to recover dues
Can I close the credit card anytime?
Yes, you can close your card anytime after clearing all outstanding dues.
How can I manage my Kotak811 savings account?
You can simply download Kotak Bank 811 App and use your savings account and 100+ banking features like Loans, Investments, Insurance and more.