Kotak811 Super Money Credit Card
- Updated On: 1 April, 2026
The Kotak811 Super Money Credit Card is a co-branded RuPay credit card designed for everyday cashback, especially on UPI spends. Cardholders can earn rewards on transactions made via the Super.Money app as well as on partner platforms like Myntra and Flipkart. It is a fixed deposit-backed card, available against a minimum FD of just ₹1,000, making it accessible even for first-time credit users. Additionally, the FD continues to earn up to 6% interest, with no minimum balance requirement.
In terms of benefits, the card offers 1% cashback on UPI transactions via the Super.Money app, 5% cashback on Myntra, and 2% cashback on Flipkart (with a ₹100 cap per transaction). Other non-UPI spends earn 1% cashback. The minimum transaction value eligible for cashback is ₹100, with category-wise caps of ₹500 per cycle for UPI and partner platforms, and up to ₹10,000 per cycle for other spends.
Kotak811 Super Money Credit Card
( 4.4 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
1% Cashback On UPI Transactions Via Super.Money App
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
1% Cashback On UPI Transactions Via Super.Money App
Reward Redemption
Cashback Can Be Redeemed Via super.money
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Foreign Currency Markup
2%
Interest Rates
3.50% Monthly (42% Yearly)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
N/A
Product Details
- The Kotak811 Super Money Credit Card is a co-branded card.
- This is most suited for those looking to earn cashback on their UPI spends.
Pros/Cons
Pros
- Those who often make UPI spends can use this card to earn cashback.
Cons
- The cashback cap could have been higher.
Earn Cashback on Spends
- 1% cashback on UPI spends via the Super.Money app (minimum transaction of ₹100). The maximum cashback is capped at ₹500 per cycle.
- 5% cashback on Myntra (non-UPI) and 2% cashback on Flipkart (non-UPI, up to ₹100 per transaction). The maximum cashback in this category is capped at ₹500 per cycle.
- 1% cashback on non-UPI transactions across other platforms (minimum transaction of ₹100). The maximum cashback in this category is capped at ₹10,000 per cycle.
- No cashback shall be awarded on transactions made across the following categories/MCCs: agriculture, contractor services, government-related transactions, utilities, telecom, insurance, education, fuel, gold/jewellery, real estate, financial institutions, cash advances/withdrawals, loan repayments, digital goods, gambling, political donations, and other restricted merchant categories.
Customers can earn a maximum cashback of up to ₹11,000 per billing cycle as per the card’s terms and conditions.
Apply for Kotak811 Super Money Credit Card
- Log in to the Super.Money app
- If you don’t have a Kotak811 account, complete VKYC to open a savings account
- Book a fixed deposit starting from ₹1,000
- Get instant access to your virtual credit card
- Start using the card and earn cashback on your spends
Bottom Line
Super.Money has quickly become a popular choice for UPI payments, especially among younger users. Its growing popularity, along with co-branded cards like the Axis Bank SuperMoney RuPay Credit Card, has helped strengthen its presence in the market. Those looking to start their credit journey can consider the Kotak811 Super Money Credit Card and earn cashback on UPI spends as well as on partner platforms like Myntra and Flipkart, which are widely used.
With a small fixed deposit of just ₹1,000, users can easily get started and begin earning cashback on their everyday spends.
FAQs:
Is the Kotak811 Super Money Credit Card lifetime free?
Yes, the card is lifetime free with no joining or annual fee, making it a great option for beginners and low-cost usage.
How can I earn cashback with this card?
You can earn 1% cashback on UPI spends via the Super.Money app, 5% on Myntra, 2% on Flipkart (up to ₹100 per transaction), and 1% on other non-UPI spends, subject to applicable caps.
Is this a secured credit card, and what is the minimum FD required?
Yes, it is a fixed deposit-backed credit card and can be availed against a minimum FD of ₹1,000, making it accessible even without a credit history.
1 comment
Paras
Not a premium card, but definitely useful for basic spending, credit score building, and as a simple cashback credit card with no annual fees.