Lifetime Free Secured RuPay Card with Accelerated Rewards on super.money App
First-time cardholders, Kotak811 mobile banking users, credit builders, and everyday UPI micro-transactors.
Free
One-time upfrontFree
Lifetime Free — no renewal feeUp to 1.5% cashback on super.money app, 0.5% on other retail
On eligible spends3.50% + GST
Cross-currency spendsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Kotak811 Super Money Credit Card is an agile, entry-tier digital credit card engineered by Kotak Mahindra Bank in partnership with fintech platform super.money. Formatted as a permanent Lifetime Free (LTF) product, it carries ₹0 joining fee and ₹0 annual fee, ensuring that credit beginners and student applicants can build positive credit history without fee anxiety. Operating over the NPCI RuPay rail, the card connects instantly to UPI applications. When utilized on the super.money application or for eligible merchant QR scans, cardholders earn up to 2X reward points per ₹100 spent, which can be redeemed for statement cash credit, mobile recharges, or shopping vouchers. Cardholders also benefit from a 1% fuel surcharge waiver for spends between ₹500 and ₹3,000. For applicants without established CIBIL records or formal salary slips, the card can be issued with guaranteed instant approval against a Kotak Fixed Deposit starting at just ₹10,000, while the underlying FD continues to earn full interest. Disciplined monthly repayments are reported systematically to CIBIL and Experian. For digital-native millennials seeking an uncomplicated, cost-free entry into the formal credit system paired with UPI ease, the Kotak811 Super Money card is an excellent foundation.
1% Cashback On UPI Transactions Via Super.Money App
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| super.money App Merchant UPI Payments | Up to 1.5% instant cashback on merchant transactions made via super.money app | No Cap | Standard terms apply |
| General Retail Spends | 0.5% cashback on all other eligible retail transactions | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| super.money App Merchant UPI Payments | ₹12,000 | Up to 1.5% instant cashback on merchant transactions made via super.money app | — | None | Calculating... | Under cap |
| General Retail Spends | ₹18,000 | 0.5% cashback on all other eligible retail transactions | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹0 (Lifetime Free); Annual Renewal Fee: ₹0 (Lifetime Free). • Eligibility: Issued to pre-approved Kotak811 users or against a Kotak Fixed Deposit of minimum ₹10,000. • Reward Mechanics: Up to 2X Reward Points per ₹100 on super.money app and online retail; 1X point per ₹100 on other spends. • Point Valuation: Points redeemable directly for statement credit or digital gift cards via Kotak rewards portal. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (maximum waiver of ₹100 per cycle). • Exclusions: P2P UPI transfers, wallet top-ups, rental payments, cash advances, and government services do not earn rewards.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Kotak811 Super Money Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Kotak Mahindra Bank portal with paperless verification.
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