Kotak811 and super.money Launch New Co-Branded Credit Card for Digital Firsts

Kotak Mahindra Bank, through its digital-banking arm Kotak811, in partnership with fintech platform super.money, has unveiled a new co-branded credit card aimed at digital-first users and those keen to build credit without traditional income proofs. The newly launched card combines a deposit-backed credit limit with rewards on everyday spending and simplified online onboarding. Designed for younger professionals, self-employed individuals, and first-time credit card users, the card utilises a fixed deposit (FD) held with Kotak811 as collateral, enabling approval based on the deposit rather than full credit history. Initial features include lifetime free membership under select conditions, cashback or reward points for partner spend categories, and immediate linkage with the super.money ecosystem for card management and rewards. This launch reflects Kotak811’s strategy to deepen its digital footprint in the credit card market, leveraging partnerships and an FD-secured model to offer credit access more widely. The co-branding with super.money also underscores an emphasis on seamless mobile experience, integrated fintech functionality, and rewards aligned with modern spending habits.