Does the Kotak Mahindra Kotak811 Super Money Credit Card give airport lounge access?

No lounge access is listed for this card.

What is the forex markup on the Kotak Mahindra Kotak811 Super Money Credit Card?

2% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the Kotak Mahindra Kotak811 Super Money Credit Card?

Government, utilities, telecom, insurance, education, fuel, jewellery, real estate, financial institutions, cash, loan repayments and other restricted MCCs (aggregator)

M16S / Kotak Mahindra Bank / Kotak Mahindra Kotak811 Super Money Credit Card

entry · secured, cobrand, upi, cashback

Kotak Mahindra Kotak811 Super Money Credit Card

Kotak Mahindra Bank · with super.moneyRuPayLast checked 11 Oct 2026

The Kotak Mahindra Kotak811 Super Money Credit Card charges no annual fee, with a joining fee of Rs 249. Its base return is 1% (1% on UPI spends via the super.money app (min txn Rs 100)). Accelerated earn: 5% on Myntra and 2% on Flipkart (non-UPI) per aggregator. The forex markup is 2%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 11 Oct 2026.

Annual fee: Free
Fee waived at: —
Base return: 1%
Forex markup: 2%
Interest: 3.5%a month

Fees

Joining fee	Rs 249
Annual fee	Free
Fee notes	Joining Rs 249, waived with a fixed deposit of Rs 5,000 or more at activation; no annual fee (KFS/MITC).

Rewards

Reward currency	Cashback
Base earn	1% on UPI spends via the super.money app (min txn Rs 100)
Base return	1%
Point value	Cashback in rupees
Accelerated earnunverified	5% on Myntra and 2% on Flipkart (non-UPI) per aggregator
Capsunverified	UPI cashback Rs 500 per cycle; Myntra and Flipkart share a Rs 500 cap (aggregator)
Spends that earn nothingunverified	Government, utilities, telecom, insurance, education, fuel, jewellery, real estate, financial institutions, cash, loan repayments and other restricted MCCs (aggregator)
Reward notes	Issuer listing confirms 1% cashback on UPI via super.money; the rest of the reward grid is from Card Insider. base_return_pct = 1% UPI rate.

Travel and perks

Domestic lounge	None
International lounge	None
Forex markup	2%
Fuel surcharge waiver	Not eligible

Charges and eligibility

Interest per month	3.5%
Late payment fee	By outstanding balance: <=100 nil; 100-500 Rs 100; 500-1,000 Rs 500; 1,000-5,000 Rs 600; 5,000-10,000 Rs 750; 10,000-25,000 Rs 900; 25,000-50,000 Rs 1,100; >50,000 Rs 1,300
Cash advance feeunverified	Rs 100 per ATM withdrawal and fund transfer per MITC (KFS says cash advance not available)
Eligibilityunverified	FD-backed; applied for in the super.money app; needs a Kotak811 account
Fine-print notes	Rent costs 2%. No overlimit fee. MITC surcharges: 1% on utility spend above Rs 35,000/cycle, fuel above Rs 25,000/cycle, wallet loads above Rs 10,000/cycle, online gaming above Rs 10,000/cycle, education via third-party apps; rent 1% + GST.

Questions

What is the annual fee of the Kotak Mahindra Kotak811 Super Money Credit Card?: No annual fee.
Does the Kotak Mahindra Kotak811 Super Money Credit Card give airport lounge access?: No lounge access is listed for this card.
What is the forex markup on the Kotak Mahindra Kotak811 Super Money Credit Card?: 2% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Kotak Mahindra Kotak811 Super Money Credit Card?: Government, utilities, telecom, insurance, education, fuel, jewellery, real estate, financial institutions, cash, loan repayments and other restricted MCCs (aggregator)