CardsGurujiCompare · Choose · SaveCheck all categoriesCheck all issuers
⌘K
Card Categories
Pick a card that matches how you actually spend.
Card Issuers
Explore cards from India's leading banks.
Lifetime FreeLast updated: 17 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 5% Cashback
Engineered for the digital shopper, earn a flat 5% cashback on Myntra, 3% cashback on Cleartrip, and 2% cashback on Flipkart for all non-UPI transactions. Additionally, earn an assured 1% cashback on all your everyday UPI expenditures. All accumulated cashback is seamlessly tracked and redeemed exclusively through the super.money app ecosystem.
Redeem for
The privileges that come bundled in, beyond the reward points.
Credit Builder: Issued against a highly accessible minimum Fixed Deposit of just ₹1,000, granting you a credit limit of up to 90% of your FD value
Dual Wealth Generation: Continue to earn an attractive interest rate of up to 6% p.a. on your linked Fixed Deposit while simultaneously utilizing your credit line
UPI Power: Issued natively on the RuPay network, allowing you to link the card to your favorite UPI apps for instant 'scan & pay' merchant transactions
Global Readiness: Features an unusually low forex markup fee of just 2%, making it a highly cost-effective companion for international purchases
An honest read on where this card earns its keep — and where it doesn't.
Incredible tool for building a credit score from scratch with absolutely no CIBIL requirements
Offers an exceptionally low foreign transaction markup (2%) for a free, entry-level card
Provides flat 1% cashback on standard UPI spends, a rarity in the current market
Lifetime free structure if secured with an FD of ₹5,000 or greater
Requires locking up capital in a Fixed Deposit, which cannot be broken without closing the credit card account
Cashback redemption is strictly gated behind the super.money app, limiting its versatility
A physical card incurs a ₹249 joining fee if your backing FD is under ₹5,000
Lacks premium lifestyle benefits such as complimentary airport lounge access
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Kotak 811 super.money Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for Kotak 811 super.money Credit Card.
A roundup of credit card offers from HDFC, SBI, ICICI, Axis and others for Flipkart's Big Billion Sale 2026.
Unlock massive savings during the 2026 Amazon Great Indian Festival! Discover the top credit cards from ICICI, SBI, and HDFC that offer the best instant discounts, unlimited cashback, and ultimate shopping perks.
RBI's new rules from October 15, 2026 reshape fees, rewards and eligibility for UPI and credit cards in India.
Everything you need to know about Kotak 811 super.money Credit Card fees, reward conversion, lounge access, and application eligibility.
Yes, Kotak 811 super.money Credit Card is issued as a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual renewal fee. Cardholders do not need to hit an annual spend target to waive the fee. Standard GST is only applicable on interest or fee-based services if incurred.
Kotak 811 super.money Credit Card earns Cashback at a primary rate of Up to 5% Cashback. Specifically, Engineered for the digital shopper, earn a flat 5% cashback on Myntra, 3% cashback on Cleartrip, and 2% cashback on Flipkart for all non-UPI transactions. Additionally, earn an assured 1% cashback on all your everyday UPI expenditures. All accumulated cashback is seamlessly tracked and redeemed exclusively through the super.money app ecosystem.. Spends in Cashback, Entry Level, Lifetime Free categories provide the maximum valueback per transaction on this card.
Yes, because Kotak 811 super.money Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Rewards earned on Kotak 811 super.money Credit Card can be redeemed for super money App (Cashback & Partner Offers) via Kotak Mahindra Bank's official rewards portal or mobile banking app. Points typically carry a multi-year validity period, though regular redemption against high-value vouchers or statement balances is advised.
A CIBIL credit score of 720 or above is strongly recommended for approval of Kotak 811 super.money Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Kotak 811 super.money Credit Card levies a forex markup fee of 2.0% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Kotak 811 super.money Credit Card currently features a welcome offer: "Experience a seamless digital onboarding with a lifetime free credit card when backed by a Fixed Deposit of ₹5,000 or more.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Incredible tool for building a credit score from scratch with absolutely no CIBIL requirements and Offers an exceptionally low foreign transaction markup (2%) for a free. However, keep in mind that Requires locking up capital in a Fixed Deposit and which cannot be broken without closing the credit card account. Overall, Kotak 811 super.money Credit Card delivers strong value if your regular spending aligns with Cashback, Entry Level, Lifetime Free.
Kotak 811 super.money Credit Card is focused on Cashback and Entry Level and Lifetime Free valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
You can apply for Kotak 811 super.money Credit Card directly through Kotak Mahindra Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
