Open 811 Super Savings Account

Types of Kotak811 Savings Account

	Savings A/c	Recommended Savings A/c
Monthly deposit - In a single transaction	₹0	₹5000
Zero balance account
Annual cashback	₹0	Up to ₹6,000
Annual Program Fees	₹0	₹300
Digital Fund Transfer - NEFT/RTGS/IMPS	Free	Free
Funding during a/c opening process	₹1,000	₹5,000
Virtual Debit Card	Free	Free
Physical Debit Card	VISA Classic ₹299	VISA Platinum - Free
Daily ATM cash withdrawal	₹25,000	₹1 Lakh
Cash transaction limit	₹10,000 or 1 transaction per month	₹2 Lakhs or 4 transactions per month
Dedicated customer support	NA
Cheque book	₹75 (on request)	One Free / year
Up to 7% interest p.a. with ActivMoney
Only Aadhaar & Pan card needed
Personal accident cover	Up to ₹2 Lakhs	Up to ₹25 Lakhs
Purchase protection	Up to ₹50,000	Up to ₹1 Lakh
Air accident cover	NA	Up to ₹50 Lakhs
Lost card liability	Up to ₹2.5 Lakhs	Up to ₹3.5 Lakhs

Why Choose Kotak811 Super Savings Account?

₹6,000/year on Debit Card spends*
Higher ATM withdrawal limit - ₹1 Lakh/day
Insurance up to ₹80 Lakhs
Dedicated customer support

How to apply for Kotak811 Super Savings A/c?

STEP1
Fill your details in the above form & complete the OTP authentication
STEP2
Make a deposit of ₹5,000 in your account. You can use this amount and enjoy 5% cashback*. Annual fee of ₹300 will be applicable.
STEP3
Complete your KYC online or in-person to complete your account opening process

Explore 100+ banking features with the new Kotak811 App

Customer Testimonials

"Wow! Loving the 811 Super account. They offer monthly cashbacks, free cheque book and insurance cover"

Anjali Gupta

IT Professional

"Kotak Bank 811 Super Savings Account is safe, easy and rewarding".

Sriram Iyer

Fund Manager

“One of the best premium savings account which is pocket friendly!”

Aditya Mohan

Teacher

"Wow! Loving the 811 Super account. They offer monthly cashbacks, free cheque book and insurance cover"

Anjali Gupta

IT Professional

"Kotak Bank 811 Super Savings Account is safe, easy and rewarding".

Sriram Iyer

Fund Manager

Key features of Kotak811 Super Savings A/c

Guaranteed 5% Cashback on every spend*

Get flat 5% cashback up to ₹500 every month on your Debit Card spends*

Higher limits on Free Platinum Debit Card

Enjoy a higher daily withdrawal limit of Rs.1 lakh and a spend limit of Rs.3 lakhs

Dedicated customer service

Use the 'Click to call' feature in our Kotak811 App for a prompt call back from our team.

FAQs

Will I have to maintain a minimum balance for this programme?

No. You don't have to maintain any balance to remain a part of this program.

What happens if I miss a deposit?

Missed a deposit? No sweat. 811 Super membership will be live for one year form date of subscription. You will not be eligible for 5% cashback for the month(s) you do not make a deposit.

Do I have to deposit ₹5,000 in one transaction or can I split it into a few transactions?

It should be ₹5,000 in one transaction.

What is the cashback structure?

5% flat cashback up to ₹500/month will be given on Debit Card spends.

Which type of transactions will be considered for cashback?

Debit Card spends via ECOM (E-commerce) & POS (Point of sales) will be considered.

Do I need to spend via Debit Card only?

Yes. Cashback only will be offered on Debit Card spend. Please check the detailed 811 Super Terms and Conditions

Will ATM transactions be considered for cashback?

No. Cashback will only be given on Debit Card spends via ECOM and POS

How do I cancel the plan?

Plan will automatically cancelled after one year from date of subscription.

How to enroll to this program if I already have an 811 account?

Click on ''Upgrade now”. Complete rest of the steps and you will be upgraded to 811 Super.

When and how will I get the cashback?

Your cashback will be credited to your account by 30th of the next month of the qualification month. It'll be credited in your account.

How to reach the call center?

We've created a dedicated call center for you. Just place a request through MB app and our service officer will call you on your registered mobile number.

What if I'm already holding a premium Debit Card?

No new card will be issued. All benefits will be transferred to the older Debit Card. Kindly refer the below link for card related Terms and Conditions

What are the charges associated with 811 Super?

Kindly refer the below link for General schedule for charges.

Kotak Bank Registered Address: 27BKC, C 27, G Block, Bandra Kurla Complex, Bandra (East), Mumbai, Maharashtra, 400051

IMPORTANT:
Please ensure that you complete your Full KYC within 180 days from account opening to enjoy uninterrupted services at all times. If Full KYC is not completed within 180 days from account opening, your account will be blocked from transactions. However, you would still be able to complete your Full KYC and resume banking easily. If Full KYC is not completed within 365 days from account opening, your account will expire permanently with no possibility of reactivation.

Aadhaar Disclaimer:
Providing Aadhaar is voluntary. Scan and Pay through your Kotak Mobile Banking App at select in-store outlets.

^ActivMoney Disclaimer:
Liquidated Dep2 for ₹25, 000 and liquidated in part for ₹15,000 from Dep1 to honour the cheque of ₹40, 000 as breaking of FD is done in multiples of ₹5,000. Dep2 will earn interest for 15 days at the applicable rate without penalty (on LIFO basis) as it exceeds 7 days which is minimum period required to be eligible for interest and ₹15,000 liquidated from Dep1 would earn eligible interest for 16 days. Returns calculated in above image is for 360 days only.

Applicable for Resident Indian Individuals only w.e.f. Feb 17, 2025, daily balances in Savings Account above ₹50 lakhs will earn 3.5% interest p.a. Daily balances in Savings Account above ₹5 lakhs, will earn 3% interest p.a. Daily balances in Savings Account up to ₹5 lakhs will earn 3% interest p.a. These interest rates are applicable for Resident Accounts only. Issuance of credit cards is at the sole discretion of Kotak Mahindra Bank Limited.

*811 Super customers can avail flat 5% cashback up to Rs.500 p.m. on Debit Card spends | 811 Super fees & Charges