All cards / Kotak Mahindra Bank
Kotak811 super.money Credit Card
A secured RuPay card from Kotak811 and Flipkart's super.money app, launched in October 2025. You book an FD from ₹1,000 and get a limit of up to 90% of it with no CIBIL check. Flat 1% cashback covers UPI and card spends, and Myntra (5%) and Flipkart (2%) earn more, which makes it a sensible first card for building a credit history.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Reward redemption: Cashback is credited on eligible spends; no points to manage
Benefits by category
- 🛍️ Shopping
5% reward rate (capped ₹500/monthly)
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
Fees & charges
- Foreign currency markup: 2%
- Interest rate: 3.5% p.a.
- Cash advance charges: Cash withdrawal is not permitted on this card
Benefits
- FD-backed: credit limit up to 90% of a Kotak FD that can start at ₹1,000; no CIBIL score needed for approval, and the FD keeps earning interest
- 5% cashback on Myntra and 2% on Flipkart (non-UPI; max ₹100 per Flipkart transaction), with a combined cap of ₹500 per statement cycle
- 1% cashback on UPI payments made through the super.money app (minimum ₹100 per transaction, capped at ₹500 per cycle) and 1% on other non-UPI spends (capped at ₹10,000 per cycle)
- Comes as a 3-in-1 bundle: zero-balance Kotak811 savings account + FD + RuPay credit card that can be linked to UPI, with an instant virtual card
Pros
- + No annual fee, and no joining fee either when the FD is ₹5,000 or more
- + 1% cashback even on UPI scan-and-pay through the super.money app
- + 5% on Myntra and 2% on Flipkart
- + Approval needs only an FD from ₹1,000, so it works with no credit history
Cons
- − Myntra and Flipkart cashback share one ₹500-per-cycle cap, and UPI cashback is also capped at ₹500 per cycle
- − ₹249 + GST joining fee if the FD is under ₹5,000 and you choose a physical card
- − No lounge, travel or insurance benefits, and cash withdrawals are not allowed
Best for