CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Kotak Mahindra Bank

Kotak811 Super Platinum Debit Card

30
Ranked #21 of 66 in debit
debitVisaEntry

Kotak's digital-first 811 Super Platinum debit card offering a genuinely strong flat 5% cashback rate for Kotak 811 account holders — one of the better cashback debit cards in the low-fee segment.

Score breakdown

Data completeness: 75% · Last verified: 09 Jul 2026

Reward value15/100 · weight 71%
≈ 0.75% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +1.5% score bonus — earns broadly without narrow category restrictions.
Fee efficiency97/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks0/100 · weight 9%

Fees

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

Joining fee
—
Annual fee
₹300 + 18% GST
= ₹354 / year total
Waiver: Not detailed as waivable; standard fee applies
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
all_spendscashback5%₹500 / monthlyFLAT 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

None specified

Milestone benefits

Pros

  • Strong flat 5% cashback rate (rare at this fee level)
  • low fee (Rs300)
  • fully digital account opening via Kotak 811 app

Cons

  • No lounge access
  • cashback capped at Rs500/month

What's inside

More benefits

  • Personal Accident Cover

    ₹15 Lakh accident cover

  • Lost Card Liability

    ₹3.5 Lakh coverage

  • Daily Spend Limit

    ₹3,00,000 POS/E-commerce limit (upgraded from ₹2,00,000)

Insurance cover

text
₹NaN

Eligibility

text
Requires Kotak 811 Digital Savings Account (annual charge Rs300)

Small print

Fuel surcharge:Not a highlighted benefit