Mumbai, October 29, 2025 – Kotak811, India’s leading digital banking platform, has launched the 3 in 1 super account – a savings account, a fixed deposit, and a secured credit card with super.money, all in one place.
This is a proposition built for Core India – a large and growing segment of everyday Indians who want simple, digital-first financial tools. It includes salaried individuals, digital natives, students, first jobbers, and more. These are users who want to start small, stay in control, and get more out of their money. The 3 in 1 super account is designed to meet their needs with one easy-to-use solution.
Manish Agarwal, Head – Kotak811, said:
“The 3 in 1 super account brings saving, spending, and borrowing together in one place. It’s built for people who want to manage money better without paperwork or complexity. It’s simple, secure, and designed for everyday use.”
What you get with the 3 in 1 super account:
– Start with ₹1,000: Open an FD and get started
– Earn more: Interest on your FD + cashback on spends
– Use UPI on credit: Pay like you always do, and earn rewards
– Secured Kotak811-super.money credit card: Backed by your FD, with no income proof required
– No paperwork: 100% digital onboarding
– Stay in control: Your FD sets your spending limit
“Our audience intersects with Kotak811’s – digital-first users who want things to be easy and rewarding. We’re blending trusted banking with digital-first innovation to make credit as effortless as payments”. said Prakash Sikaria, founder, super.money.
Jay Kotak, Co-Head – Kotak811, added:
“Kotak811 serves a wide Core India audience that’s looking for practical ways to move forward financially. These users are digital-savvy but cautious with credit. They want control, clarity, and value. The 3 in 1 super account fits that behaviour perfectly—it’s easy to start, easy to use, and helps people build confidence with their money.”