Open 811 Super Savings Account

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Types of Kotak811 Savings Account

	Savings A/c	Recommended Savings A/c
Monthly deposit - In a single transaction	₹0	₹10,000
Zero balance account
Annual cashback	₹0	Up to ₹6,000
Annual Program Fees	₹0	₹399
Digital Fund Transfer - NEFT/RTGS/IMPS	Free	Free
Funding during a/c opening process	₹2,000	₹10,000
Virtual Debit Card	Free	Free
Physical Debit Card	VISA Classic ₹399	VISA Platinum - Free
Daily ATM cash withdrawal	₹25,000	₹1 Lakh
Cash transaction limit	₹10,000 or 1 transaction per month	₹2 Lakhs or 4 transactions per month
Dedicated customer support	NA
Cheque book	₹5 per cheque leaf	One Free / year
Up to 5.75% interest p.a. with ActivMoney
Only Aadhaar & Pan card needed
Personal accident cover	Up to ₹2 Lakhs	Up to ₹15 Lakhs
Purchase protection	Up to ₹50,000	Up to ₹1 Lakh
Air accident cover	NA	Up to ₹50 Lakhs
Lost card liability	Up to ₹2.5 Lakhs	Up to ₹3.5 Lakhs

Why Choose Kotak811 Super Savings Account?

₹6,000/year on Debit Card spends*
Higher ATM withdrawal limit - ₹1 Lakh/day
Insurance up to ₹80 Lakhs
Dedicated customer support

How to apply for Kotak811 Super Savings A/c?

STEP1
Enter basic details
your mobile number, email ID, and PIN code
STEP2
Verify and complete VKYC
Authenticate with Aadhaar and PAN, followed by VKYC
STEP3
Fund your account
Deposit the initially-required ₹2,000 for the Zero Balance Account, or ₹10,000 for the 811 Super Account.

Explore 100+ banking features with the new Kotak811 App

Customer Testimonials

"Kotak Bank 811 Super Savings Account is safe, easy and rewarding".

Sriram Iyer

Fund Manager

“One of the best premium savings account which is pocket friendly!”

Aditya Mohan

Teacher

"Wow! Loving the 811 Super account. They offer monthly cashbacks, free cheque book and insurance cover"

Anjali Gupta

IT Professional

Key features of Kotak811 Super Savings A/c

Guaranteed 5% Cashback on every spend*

Get flat 5% cashback up to ₹500 every month on your Debit Card spends*

Higher limits on Free Platinum Debit Card

Enjoy a higher daily withdrawal limit of Rs.1 lakh and a spend limit of Rs.3 lakhs

Dedicated customer service

Use the 'Click to call' feature in our Kotak811 App for a prompt call back from our team.

FAQs

Will I have to maintain a minimum balance for this programme?

No. You don't have to maintain any balance to remain a part of this program.

What happens if I miss a deposit?

Missed a deposit? No sweat. 811 Super membership will be live for one year form date of subscription. You will not be eligible for 5% cashback for the month(s) you do not make a deposit.

Do I have to deposit ₹10,000 in one transaction or can I split it into a few transactions?

It should be ₹10,000 in one transaction.

What is the cashback structure?

5% flat cashback up to ₹500/month will be given on Debit Card spends.

Which type of transactions will be considered for cashback?

Debit Card spends via ECOM (E-commerce) & POS (Point of sales) will be considered.

Do I need to spend via Debit Card only?

Yes. Cashback only will be offered on Debit Card spend. Please check the detailed 811 Super Terms and Conditions

Will ATM transactions be considered for cashback?

No. Cashback will only be given on Debit Card spends via ECOM and POS

How do I cancel the plan?

Plan will automatically cancelled after one year from date of subscription.

How to enroll to this program if I already have an 811 account?

Click on ''Upgrade now”. Complete rest of the steps and you will be upgraded to 811 Super.

When and how will I get the cashback?

Your cashback will be credited to your account by 30th of the next month of the qualification month. It'll be credited in your account.

How to reach the call center?

We've created a dedicated call center for you. Just place a request through MB app and our service officer will call you on your registered mobile number.

What if I'm already holding a premium Debit Card?

No new card will be issued. All benefits will be transferred to the older Debit Card. Kindly refer the below link for card related Terms and Conditions

What are the charges associated with 811 Super?

Kindly refer the below link for General schedule for charges.

Kotak Bank Registered Address: 27BKC, C 27, G Block, Bandra Kurla Complex, Bandra (East), Mumbai, Maharashtra, 400051

Aadhaar Disclaimer: Providing Aadhaar is voluntary. Scan and Pay through your Kotak Mobile Banking App at select in-store outlets.

^ActivMoney Disclaimer: ActivMoney (Auto Sweep) is a facility of automatically sweeping out funds above a pre-specified threshold from your Current/Savings Account to a Term Deposit (TD) Account for 180 days. In case of insufficient balance/Sweep in threshold in Savings Account, the TD will be broken prematurely and the required amount will be transferred to Savings Account.

Default Sweep Out and Sweep In for limit for an account variant are the minimum thresholds and one will not be able to opt for limits lower than these. Auto-Sweep out of funds above a pre-specified threshold from Savings to Fixed Deposit will be for 180 days and in multiples of Rs.5,000/- The nomination registered for Saving Account will apply for FDs created through ActivMoney. If customer opts for ActivMoney in an account, standalone Fixed Deposits cannot be linked to that account. Terms and Conditions guiding the fixed deposit will be applicable to fixed deposits booked under ActivMoney.

Savings Account:

Disclaimer for all SA communication where interest rate is mentioned is as below:
Earn 2.5% interest p.a. on all Savings Account balance. Applicable for Resident Accounts only. The interest rates are subject to change. Visit www.kotak.com for latest information on interest rates.

*811 Super customers can avail flat 5% cashback up to Rs.500 p.m. on Debit Card spends | 811 Super fees & Charges

*Rewards and Cashback Terms and Conditions

Referral Terms and Conditions