TECH AMAN
Kotak Mahindra Bank

Kotak 811 Super Platinum Debit Card

Up to ₹6,000 Yearly Cashback with 811 Super

Super Premium Cashback Rating 4.3
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Kotak 811 Super Platinum Debit Card
Joining Fee
₹499
Annual Fee
₹499
Base Rewards
5% cashback on eligible debit card spends (subject to monthly funding criteria)
Accelerated
No separate category-based acceleration. Flat cashback structure under 811 Super benefits.

Overview

Kotak 811 Super Platinum Debit Card is a premium debit card linked with Kotak 811 Super Savings Account. It offers up to 5% cashback on eligible debit card spends, high daily transaction limits, and complimentary insurance benefits. Users can earn up to ₹500 cashback per month (₹6,000 yearly) by maintaining required monthly funding criteria. Ideal for online shopping, bill payments, and high-value transactions.

Features & Benefits

Linked with Kotak 811 Super Savings Account 5% Cashback on Eligible Debit Card Spends ₹3,00,000 Daily POS / Online Spend Limit ₹1,00,000 Daily ATM Withdrawal Limit Visa Platinum Contactless Debit Card International Usage Enabled Best for Debit Card Cashback Savings Account Cashback No Annual Fee High Daily Limits Direct Account Credit Online Shopping Cashback Savings Account Users Debit Card Users High Transaction Users

Joining & Renewal Benefits

Joining

5% cashback on eligible debit card spends after meeting monthly funding requirement (e.g. ₹10,000 account credit). Maximum ₹500 cashback per month.

Renewal

Continue earning up to ₹500 monthly cashback as long as account funding criteria is met.

Cashback & Rewards

  • • 5% cashback on eligible debit card spends
  • • Maximum ₹500 cashback per month
  • • Maximum ₹6,000 cashback per year
  • • Applicable only after required monthly account funding (e.g. ₹10,000 credit)
Reward Redemption

Cashback is automatically credited to the savings account. No manual redemption required.

Lifestyle Benefits

  • • Up to 5% cashback on eligible debit card spends
  • • High transaction limits (₹3L daily spend)
  • • ₹1L ATM withdrawal limit
Fuel Surcharge

Not Applicable (

Forex Markup

3.5% + GST

Fees & Charges

Joining Fee
₹499
Annual Fee
₹499
Fee Waiver Spend
₹0
Income Requirement
₹0
Pros
  • • 5% Debit Card Cashback
  • • ₹500 Monthly Cashback (₹6,000 yearly)
  • • High ₹3L Daily Spend Limit
  • • Direct Savings Account Credit
Cons
  • • Cashback available only after monthly funding requirement
  • • Exclusions on wallet, rent & govt payments
Exclusions
  • • Wallet Loads
  • • Rent Payments
  • • Government Payments
  • • EMI Transactions
Add-on Cards

Not Available

Eligibility
  • • Age 18+
  • • Valid PAN & Aadhaar
  • • Indian Resident
  • • KYC Required
Important Links
Upcoming Changes

No official update announced recently. Benefits subject to bank terms.