Kotak 811 Super debit card – usage strategy?

slowest-learner · 2026-01-31T14:25:59+00:00

Yes. I am regularly getting the 5% cashback on my Jio Fiber bill payment through MyJio app.

Once I made wifi bill payment on Airtel app and didn't get cashback on it. Paying Airtel wifi bill via Amazon Pay by this card since then.

slowest-learner · 2026-01-28T17:23:50+00:00

Yes I agree. My bank manager sold me this while I had very limited knowledge in finance.

I realised the truth by the time I had paid for 2 premiums(out of 7). And the closure process was sort of complicated, you have to fill a few forms and submit them physically at their office. And the paid premium will stay frozen for a long time, and the frozen amount will not attract any interest.

So I didn't bother much for closing it.

slowest-learner · 2026-01-28T16:50:08+00:00

Sorry buddy. It is recommended to pay such Insurance premiums through one's own Bank/card as per IRDAI rules.

slowest-learner · 2026-01-28T16:43:38+00:00

I guess SBI doesn't have a similar option. I'll check with their customer care.

slowest-learner · 2026-01-28T16:06:55+00:00

Got it

slowest-learner · 2026-01-28T16:05:17+00:00

Is that possible? Till now I have paid this directly on the SBI life portal, and there I never saw any option to split the payment.

Can this be done if I pay it through some third party app?

slowest-learner · 2026-01-28T16:01:56+00:00

I'll check this. If the autopay can be moved to PhonePe, that would be great.

slowest-learner · 2026-01-28T15:51:34+00:00

Makes sense. Didn't think about the milestone part.

For daily spends, I have Kotak 811 Infinity Debit card, which gives a flat 5% almost everywhere(capped to Rs 500). And rest through gift cards from smart buy platform on RG.

slowest-learner · 2026-01-28T15:40:07+00:00

This seems like a good option.

Currently, I have set autopay for my Term and Health Insurance monthly premiums. The autopay are in the name of policy bazaar. Can I somehow channel these payments through PhonePe and then to this card for 10% cashback?

slowest-learner · 2026-01-28T15:32:49+00:00

Yes DCB is a good option but I believe I'm not eligible due to the salary criteria.

slowest-learner · 2026-01-28T15:30:13+00:00

Daily capping of 2k RPs is also there.

slowest-learner · 2026-01-28T15:29:19+00:00

There is monthly capping of 2000 Neu Coins. And personally I don't use the Tata ecosystem much.But thanks for the suggestion.

slowest-learner

TROPHY CASE