Kotak811, India’s leading digital banking platform, has launched its innovative 3-in-1 Super Account, combining a savings account, fixed deposit, and secured credit card in one digital solution. The offering, developed in partnership with super.money, aims to simplify financial management for “Core India” — a growing segment of salaried individuals, students, and first-jobbers seeking digital-first financial tools.
Highlighting the product’s simplicity, Manish Agarwal, Head of Kotak811, said, “The 3-in-1 Super Account brings saving, spending, and borrowing together in one place. It’s simple, secure, and designed for everyday use.” The account allows users to start with just ₹1,000, earn interest and cashback, use UPI on credit, and get a secured Kotak811–super.money credit card without income proof — all through a 100% digital process.
Prakash Sikaria, Founder of super.money, noted that the partnership combines trusted banking with digital innovation, while Jay Kotak, Co-Head of Kotak811, emphasized that the product caters to digital-savvy yet cautious credit users seeking control and value. In Kolkata, early reactions suggest growing interest among young professionals and digital natives who prefer paperless, app-based banking experiences. The 3-in-1 Super Account is expected to gain strong traction in the city’s rapidly expanding fintech user base.