Kotak811 Super Platinum Debit Card

debitplatinum

An upgraded debit card for Kotak811 Super customers. Includes higher limits, ₹1000 welcome voucher, and integrated insurance covers.

Score breakdown

Data completeness: 70% · Last verified: 06 Jul 2026

Reward value16/100 · weight 65%

≈ 0.78% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +1.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency95/100 · weight 11%

Redemption flexibility92/100 · weight 8%

Perks15/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹300 + 18% GST
= ₹354 total
Annual fee: ₹300 + 18% GST
= ₹354 / year total

Lounge access

Domestic (per year): 0
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
all_spends	cashback	5%	₹500 / monthly	FLAT 5% cashback up to ₹6,000 per year. Only on ECOM & POS spends. Requires single credit deposit of ₹10,000 in the month.

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

wallet loadatm withdrawalinsurancegovernmenteducation

Welcome offer

₹1,000 welcome voucher after completing 3 eligible non-ATM financial transactions within 60 days.