Kotak Mahindra Bank Zero Balance Account 2025 Apply Online:
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Kotak Mahindra Bank Open Account Zero Balance | Best Zero Balance Bank Account
The Kotak 811 Super Savings Account and the Kotak 811 Digital Savings Account are both zero-balance accounts offered by Kotak Mahindra Bank, but they cater to different user needs and come with distinct features. Here's a detailed comparison to help you decide which suits you best
👉🏻Kotak 811 Digital Savings Account:
Ideal for: Users seeking a basic, no-frills digital savings account.
Key Features:
Minimum Balance: ₹0 (zero balance account).
Monthly Deposit Requirement: None.
Debit Card: Free virtual debit card; physical card available for ₹299 + GST/year.
ATM Withdrawal Limit: ₹25,000 per day.
Cash Deposit Limit: ₹10,000 or 1 transaction per month.
Cheque Book: ₹75 for 25 leaves.
Insurance Coverage: Personal accident cover up to ₹2 lakh.
Interest Rate: Up to 7% p.a. with ActivMoney sweep-in facility.
💎 Kotak 811 Super Savings Account
Ideal for: Users who want enhanced banking features and benefits.
Key Features:
Minimum Balance: ₹0 (zero balance account).
Monthly Deposit Requirement: ₹5,000 (credited once a month).
Debit Card: Free VISA Platinum debit card (both virtual and physical).
ATM Withdrawal Limit: ₹1,00,000 per day.
Cash Deposit Limit: ₹2 lakh or 4 transactions per month.
Cheque Book: One free cheque book (25 leaves) per year.
Insurance Coverage: Enhanced coverage including personal accident cover up to ₹25 lakh, air accident cover up to ₹50 lakh, purchase protection up to ₹1 lakh, and lost card liability up to ₹3.5 lakh.
Interest Rate: Up to 7% p.a. with ActivMoney sweep-in facility.
Annual Program Fee: ₹300 + GST.
Cashback: 5% cashback on debit card spends (up to ₹500/month, ₹6,000/year).
✅ Which Should You Choose?
Choose Kotak 811 Digital Savings Account if you prefer a straightforward, zero-maintenance digital account without additional fees or requirements.
Choose Kotak 811 Super Savings Account if you're looking for premium features like higher ATM withdrawal limits, enhanced insurance coverage, and cashback benefits, and are comfortable with the ₹5,000 monthly deposit requirement and the ₹300 annual program fee.
Let me know if you need assistance with the application process or further details on any of these accounts!
Eligibility:
To open a Kotak 811 Super Account, you need:
To be a resident of India.
To be over 18 years of age.
A valid Aadhaar card and PAN card for KYC purposes.
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