Kotak Super Saving Account
Offered by Kotak Mahindra Bank Limited
Kotak811 Super is a paid upgrade of Kotak Mahindra Bank's 811 digital savings account, with an annual programme fee, debit card cashback and higher limits. It suits people who spend regularly on a debit card and can make a monthly deposit to qualify for cashback.
Interest rate earned
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Best for
Regular debit card spenders
As of 9 Nov 2026, from the bank's official website. Final terms depend on your profile.
Check eligibility & apply →Key benefits
- Annual programme fee of ₹499; no minimum balance to maintain
- Flat 5% cashback up to ₹500 per month on debit card e-commerce and POS spends (up to ₹6,000 a year)
- Cashback requires a deposit of ₹10,000 in a single transaction each month; ATM withdrawals do not count
- VISA Platinum debit card free; daily ATM cash withdrawal limit of ₹1 lakh
- One free cheque book per year; personal accident cover up to ₹15 lakh and air accident cover up to ₹50 lakh
Best for
Regular debit card spenders
Pros
- No minimum balance requirement
- Debit card cashback can exceed the programme fee for regular spenders
- Higher ATM and cash limits than the free 811 account
Cons
- ₹499 annual programme fee
- No cashback in any month without a ₹10,000 single deposit
- Cashback only on debit card e-commerce and POS spends
Eligibility
- Resident Indian individual, 18 years or above
- Valid Aadhaar and PAN
- Existing 811 customers can upgrade to 811 Super in the app; new accounts fund ₹10,000 at opening
Documents required
- PAN
- Aadhaar
- Video KYC
Frequently asked questions
Do I need to maintain a minimum balance?
No. Kotak states you don't have to maintain any balance to remain part of the 811 Super programme.
What happens if I miss a monthly deposit?
Membership stays live for one year from subscription, but you are not eligible for the 5% cashback in months without the ₹10,000 deposit.
When is cashback credited?
By the 30th of the month after the qualifying month.
How do I cancel?
The plan cancels automatically one year after the date of subscription.
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- DBS Digibank Saving AccountApp-first savers who want a zero-balance account with high interest
- Kotak 811 Saving AccountFirst-time, app-first savers
- Airtel Payments Bank Saving AccountDigital payments and small balances
ClickPe is a financial marketplace and Digital Lending Service Provider. This product is offered by Kotak Mahindra Bank Limited, which makes the final decision on your application. Using ClickPe is free; we may receive a commission if your application is approved.