Kotak811 super.money Credit Card
Kotak Mahindra Bank’s Kotak811 super.money credit card is a secured credit card that requires a fixed deposit (FD) with Kotak Mahindra Bank or Kotak Securities as collateral. It offers a simple way for individuals to build or improve their credit profile while earning cashback on their spends. This card is particularly useful for those who are new to credit or looking to enhance their credit score. Additionally, it provides cashback on transactions made via UPI and on partner platforms such as Flipkart and Myntra.
What is the Kotak811 super.money Credit Card?
The Kotak 8.11 super.money credit card is an FD-backed credit card where your credit limit is linked to the fixed deposit you maintain with the bank. You can start with an FD as low as Rs.1,000 and receive a credit limit of up to 90% of the deposit amount. For example, an FD of Rs.10,000 would give you a credit limit of Rs.9,000.
This RuPay credit card also allows you to make UPI payments, enabling you to earn rewards on everyday transactions. Being a secured card, it is a good option for individuals looking to build or improve their credit history through responsible usage.
Benefits of Kotak811 super.money Credit Card
The Kotak811 super.money Credit Card offers several benefits such as:
Cashback Benefits
Cardholders can earn cashback on a range of transactions made with the credit card. Cashback is generally applicable on transactions of Rs.100 or more, with a maximum limit of up to Rs.500 per billing cycle, depending on the category.
- 1% cashback on UPI transactions made through the super.money app
- 2% cashback on purchases made on Flipkart
- 5% cashback on Myntra purchases
- 1% cashback on other eligible non-UPI transactions
Credit Building Benefits
The card is backed by a fixed deposit, making it suitable for individuals who may not qualify for unsecured credit cards. Timely bill payments can help build a strong credit history and enhance eligibility for other credit products in the future.
Key advantages include:
- Opportunity to build or improve a credit score
- Easier approval compared with traditional credit cards
- Ability to start with a low minimum deposit
Instant Virtual Credit Card
Once the fixed deposit is booked and the application process is completed, customers can receive an instant virtual credit card. This allows them to start using the card for online payments immediately without waiting for a physical card.
Features of Kotak811 super.money Credit Card
The Kotak811 super.money Credit Card includes several features designed for customers who want flexible credit access and cashback rewards. They are as follows:
Feature Category | Feature | Details |
Credit Limit | FD-linked credit limit | The credit limit is generally up to 90% of the fixed deposit amount, allowing customers to control their credit limit based on their deposit value. |
Cashback Rewards | Cashback on partner platforms | Cardholders can earn cashback on transactions made through Myntra, Flipkart, and other eligible merchants. |
UPI Payments | RuPay UPI compatibility | The card supports UPI payments through the RuPay network, allowing users to make everyday payments directly from their credit card. |
Credit Score Improvement | Secured credit card | Responsible use and timely payments can help cardholders build or improve their CIBIL score. |
Instant Issuance | Virtual card availability | Customers receive a virtual credit card instantly once the FD is created and the application is completed. |
Fees and Charges of Kotak811 super.money Credit Card
The Kotak811 super.money Credit Card is designed to be affordable and accessible to a wide range of customers. The fees and charges associated with the card are:
Fee Type | Amount |
Joining Fee | Rs.249 (for FD less than Rs.5,000 if a physical card is requested) |
Annual Fee | Nil |
Minimum FD Requirement | Rs.1,000 |
Finance Charges | 3.50% per month (42% annually) |
Cash Withdrawal | Not permitted |
Eligibility Criteria of Kotak811 super.money Credit Card
To apply for the Kotak811 super.money Credit Card, customers must meet the following eligibility conditions:
- Minimum age of 18 years
- Must be an Indian resident
- Must hold or open a Kotak811 Savings Account
- Must create a fixed deposit starting from Rs.1,000
- Must complete KYC verification as per RBI guidelines
How to Apply for Kotak811 super.money Credit Card
Customers can apply for the Kotak811 super.money Credit Card through the Kotak811 digital platform by following the instructions given below:
- Step 1: Download the Kotak811 or super.money mobile app.
- Step 2: Open or log in to your Kotak811 savings account.
- Step 3: Create a fixed deposit starting from Rs.1,000.
- Step 4: Apply for the Kotak811 super.money Credit Card.
- Step 5: Complete the KYC verification process.
- Step 6: Receive the instant virtual credit card once the FD is successfully created.
FAQs on Kotak811 super.money Credit Card
- How much do I need to make a fixed deposit in order to get Kotak811 super.money credit card?
Open a fixed deposit with a minimum deposit of Rs.1,000 to receive your new credit card. Your maximum credit limit generally ranges from 75-90% of the total amount of your FD and is dependent on how much you choose to invest in the FD.
- What is my maximum credit limit on the Kotak811 super.money credit card?
The maximum credit limit on the Kotak811 super.money Credit Card is up to 90% of the fixed deposit maintained by the bank. For example, if you open an FD of Rs.10,000, your credit limit will be Rs.9,000, enabling you to spend while still earning interest on your deposit.
- Is it possible to make UPI payments using Kotak811 super.money credit card?
Yes, the Kotak811 super.money Credit Card supports UPI transactions through RuPay. This allows you to make everyday payments such as grocery purchases, utility bill payments, and online transactions while earning cashback on eligible spends.
- What type of cashback can I earn from Kotak811 super.money credit card?
Kotak811 super.money cardholders have access to cashback offers across a number of platforms: for example, 1% cashback for UPI transactions, 2% cashback on Flipkart purchases, and up to 5% cashback for Myntra purchases.
- Will my fixed deposit continue to earn interest?
Yes, your FD will continue earning interest at the prescribed rate of return while you use the credit limit on your card (you can use your FD to guarantee the credit limit). Thus, by securing a credit line against your deposit, you can borrow access to credit but not lose any returns on that FD.
- Can I raise my credit limit on my Kotak811 super.money credit card?
Yes, you can raise your credit limit by making more deposits into the FD. That will increase your FD size and subsequently your credit limit. Therefore, you will have access to more credit and still be able to secure its use by backing it against the FD.
- Can I cancel my Kotak811 super.money credit card at any time?
You may close your Kotak811 super.money credit card account after all outstanding balances have been satisfied. Once your account has been closed, you may either withdraw the fixed deposit you used to secure your credit card or leave it in the account.
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