Kotak Mahindra Bank Secured Credit Cards

Here are the key features and benefits of secured credit cards offered by Kotak Mahindra Bank

1. Kotak 811 #DreamDifferent Credit Card

FD Amount: Min Rs. 10,000
Annual Fee: Nil

Kotak 811 #DreamDifferent Credit Card is a lifetime free, FD-backed credit card ideal for building credit while earning rewards. It requires a minimum of Rs. 10,000 fixed deposit, which secures the card and sets the credit limit. Cardholders can earn 4 reward points per Rs. 100 on online spends and 1 point per Rs. 100 on offline spends. Here are some of the major benefits of this credit card:

• 4 reward points on every Rs. 100 spent on online purchases
• 1 reward point on every Rs. 100 spent on offline purchases
• 3 months OTTPlay subscription at Rs. 1 as a welcome offer
• Rs. 250 Woohoo voucher on spending min Rs. 1,000 within a month of card activation
• Voucher worth Rs. 1,000 on spending Rs. 72,000 yearly

2. Kotak811 Super Money Credit Card

FD Amount: Min. Rs. 1,000
Annual Fee:  Nil

Kotak811 Super Money is a lifetime free credit card which is ideal for beginners and frequent UPI users. You can start with a minimum fixed deposit of Rs. 1,000, and get up to 90% of the FD amount as your credit limit. It offers accelerated cashback on top brands, such as Myntra, Flipkart and Cleartrip. Given below are some of the key features & benefits of this credit card:

• Flat 5% cashback on min. spend of Rs. 100 on non-UPI spends on Myntra
• Flat 3% cashback on min. spend of Rs. 100 on non-UPI spends on Cleartrip 
• Flat 2% cashback on min. spend of Rs. 100 non-UPI spends on Flipkart
• 1% cashback on all UPI spends (minimum transaction Rs. 100), capped at Rs. 500 per month via the super.money app and Rs. 1,000 per month on other UPI platforms
• Low forex markup fee of 2%

3. Kotak NRI Royale Signature Credit Card

FD Amount: Min. Rs. 1 Lakh
Annual Fee: Rs. 1,000 + Taxes

Kotak NRI Royale Signature Credit Card is a secured card backed by a fixed deposit of Rs. 1 Lakh. This card is specifically designed for Non-Resident Indians (NRIs) and offers accelerated rewards on international spends, and other everyday perks. Some of the major features and benefits this Kotak credit card against FD are as follows:

• 2 reward points on every Rs. 200 spent internationally
• 1 reward point on every Rs. 200 spent domestically
• 1% fuel surcharge waiver on all fuel spends on transactions between Rs. 500 to Rs. 300 
• 2 complimentary airport lounge visits every quarter

Given below is the common eligibility criteria for Kotak credit cards against FD:

• Minimum Age: 18 years
• Resident: Indian 
• Min. FD Amount: Varies from card to card

What is a secured/FD‑backed credit card?
A secured credit card is issued against a fixed deposit that you place with the bank. This deposit acts as collateral, making it easier to get the card even without an existing credit history, and the card works just like a regular one. 

Who can apply for a Kotak FD‑backed credit card?
Anyone meeting the minimum FD requirement, typically within the age criteria and KYC norms, can apply. You don’t need a strong credit score or income proof, since the FD secures the credit limit. 

How is my credit limit decided with an FD card?
Your credit limit is generally set at a percentage (often around 80–90%) of your fixed deposit amount. Increasing your FD or adding more can raise your available credit limit proportionately. 

Can secured credit cards help improve my credit score?
Yes, c using the FD‑backed credit card responsibly with timely monthly bill payments is reported to credit bureaus and helps in building or improving your credit history over time. 

Do I continue to earn interest on my fixed deposit?
Your fixed deposit remains active and continues to earn interest at the prevailing rate, even while it is lien‑marked as security for your secured credit card. 

How do the minimum FD and eligibility differ between Kotak811 Super Money and other secured Kotak cards like NRI Royale Signature?
Kotak811 Super Money Credit Card requires a very low FD (Rs. 1,000) to get a credit limit up to 90% of the deposit and is lifetime‑free, suitable for beginners/new credit builders. Whereas, Kotak 811 #DreamDifferent needs a higher FD (Min. Rs. 10,000) and offers reward points instead of cashback. Lastly, Kotak NRI Royale Signature secured card requires a significantly larger FD (Rs. 1 Lakh) and has an annual fee but offers benefits like higher reward points on international spends and lounge access.