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.

Kotak Credit Card Against FD

Kotak FD Credit Card is backed by a fixed deposit (FD) which acts as collateral, and the card’s credit limit is usually equal to this deposited amount. Such cards function like a regular credit card for shopping, bill payments, or online transactions. The FD serves as security for the card, which results in quicker and simpler approval processes that help consumers get easier access to credit through which they can build credit history by practicing responsible spending.

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Best Kotak Credit Cards Against FD

Some of the best Kotak credit cards offered against FD are mentioned below:

Credit Card	Annual Fee	Key Benefit
Kotak 811 #DreamDifferent Credit Card	Nil	4 reward points on every Rs. 100 spent on online purchases
Kotak811 Super Money Credit Card	Nil	Flat 5% cashback on min. spend of Rs. 100 on non-UPI spends on Myntra
Kotak NRI Royale Signature Credit Card	Rs. 1,000 + Taxes	2 reward points on every Rs. 200 spent internationally

Features and Benefits of Kotak Credit Cards Against FD

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

Eligibility Criteria for Kotak Credit Cards Against FD

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

Provider-wise FD-backed Credit Cards
SBI FD Credit Card	HDFC Bank FD Credit Card	ICICI Bank FD Credit Card
Axis Bank FD Credit Card	Indian Bank FD Credit Card	IDFC First Bank Credit Card
YES BANK FD Credit Card	SBM Bank FD Credit Card	AU Small Finance Bank FD Credit Card
IndusInd Bank FD Credit Card	RBL Bank FD Credit Card	Federal Bank FD Credit Card
HSBC FD Credit Card	PNB FD Credit Card	Canara Bank FD Credit Card

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How to Apply for a Credit Card Online?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit card purpose and credit card amount

Step 5: Compare offers and apply for the best-suited credit card

Apply Now

FAQs

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, using the FD‑backed credit card responsibly with timely monthly bill payments is reported to credit bureaus which helps in building or improving your credit history over time. Also read on How an FD-Backed Credit Card Can Help Improve Your CIBIL Score Fast

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.

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