Kotak Bank "811 Super Savings Account" Benefits - Important Update 🚨 🚨

[6ix9ine]

Well 🥲my bad

It's okay brother, happens to the best of us.

 

[Rohith-2009]

Gyftr , maximize

Can you please share the merchant name for GyFTR from your 811 app

 

[msureshuh]

Does 811 provide asba facility?

 

[harshgupta940]

Does 811 provide asba facility?

Yes via ol Kotak App or NetBanking

 

[6ix9ine]

🚨| Major Update: Kotak has silently updated its T&C without sending any emails, which is apparently allowed under their current policy.

I've updated the first post with the latest link. In this post, I'm highlighting only the changes with red bold.

Note: I’m not sure when exactly Kotak made these updates. So please don’t ask me when they came into effect. I only noticed them today, but I don’t know how long they’ve been live.

(1) In 18th point, they have added 1 more bullet point.
Transactions on below categories will not be considered for cashback:
- Loan repayment
- Wallet load transactions
- Utilities payment
- Credit Card bill payments

(2) 19th point: GSFC benefits will commence post 24 hours of 811 Super fee debit.

(3) 20th point: Virtual debit card will be visible post 72 hours of account opening.

(4) 21st point: Bank reserves the right to not issue Chequebook to customers having abusive behavior.

(5) 22nd point: International transactions will be calculated at ₹95/currency denominator for US Dollar, Pound Sterling, Euro, Australian Dollar, Indonesian Rupiah and Vietnamese Dong as ₹0.05/currency conversion additionally. Singapore Dollar & Canadian Dollar and rest of the currency will be calculated at ₹15/currency, denominator for calculating cashback.

(6) 23rd point: Bank observed that certain merchants do not use right MCCs while posting a transaction leading to ambiguity. As a remedial action Bank will now also scan narration of the transactions to evaluate cashback eligibility. Transaction narrations related to credit card, wallet load, fund transfer, gift cards, platforms like AmazonPay, Canara Setu etc. and other similar keywords in narration can be construed by Bank for not giving cashback. Decision of Bank on this shall remain final.

(7) 24th point: For above point, Bank continuously checks transactions and MCCs and will keep updating their logic. Since it is an on-going activity, no additional communication shall be sent as working details have already been mentioned on above point.

(8) 25th point: Any complaints need to be raised within 45 days of transaction month.

In short, sabse important 23rd point hai. Pehli baar dekh rha hu koi bank canara setu and amazon pay ke clearly mention kar rha hai matlab yeh clear hai ki canara setu ka end Kotak ne hi karwaya, Unipay ka end bhi kotak ne hi karwaya also Amazon wallet loot bhi Kotak ne hi karwaya 🤣 🤣 🤣

and jis hisab se inhone likha hai scan narration karenge usse clear samaj aarha hai ki agar koi transacstion loot mai karliya toh woh isko phirse recheck karenge by the time of releasing cashback. Bahut hi mc bank hai yaar, isko ban hi rehna tha. Axis 🪓 se bhi aage ho rhi hai.

Mentioning few kotak fellows: @Aniket @s1t2y3a3m6 @pinki @varun__goel_ @its_karan @Pikachu. @shu_sha_ @prankster @messypenguin @surojitLaha @MrJJ @SSquad @2025 @NShah @La pasión @harshgupta940 @Sup @cool_jazz @donisback7 @SnowLucifer and others.

 

[6ix9ine]

@Abhishek012 iski bhi video banao toh maanu

 

[prankster]

🚨| Major Update: Kotak has silently updated its T&C without sending any emails, which is apparently allowed under their current policy.

I've updated the first post with the latest link. In this post, I'm highlighting only the changes with red bold.

Note: I’m not sure when exactly Kotak made these updates. So please don’t ask me when they came into effect. I only noticed them today, but I don’t know how long they’ve been live.

(1) In 18th point, they have added 1 more bullet point.
Transactions on below categories will not be considered for cashback:
- Loan repayment
- Wallet load transactions
- Utilities payment
- Credit Card bill payments

(2) 19th point: GSFC benefits will commence post 24 hours of 811 Super fee debit.

(3) 20th point: Virtual debit card will be visible post 72 hours of account opening.

(4) 21st point: Bank reserves the right to not issue Chequebook to customers having abusive behavior.

(5) 22nd point: International transactions will be calculated at ₹95/currency denominator for US Dollar, Pound Sterling, Euro, Australian Dollar, Indonesian Rupiah and Vietnamese Dong as ₹0.05/currency conversion additionally. Singapore Dollar & Canadian Dollar and rest of the currency will be calculated at ₹15/currency, denominator for calculating cashback.

(6) 23rd point: Bank observed that certain merchants do not use right MCCs while posting a transaction leading to ambiguity. As a remedial action Bank will now also scan narration of the transactions to evaluate cashback eligibility. Transaction narrations related to credit card, wallet load, fund transfer, gift cards, platforms like AmazonPay, Canara Setu etc. and other similar keywords in narration can be construed by Bank for not giving cashback. Decision of Bank on this shall remain final.

(7) 24th point: For above point, Bank continuously checks transactions and MCCs and will keep updating their logic. Since it is an on-going activity, no additional communication shall be sent as working details have already been mentioned on above point.

(8) 25th point: Any complaints need to be raised within 45 days of transaction month.

In short, sabse important 23rd point hai. Pehli baar dekh rha hu koi bank canara setu and amazon pay ke clearly mention kar rha hai matlab yeh clear hai ki canara setu ka end Kotak ne hi karwaya, Unipay ka end bhi kotak ne hi karwaya also Amazon wallet loot bhi Kotak ne hi karwaya 🤣 🤣 🤣

and jis hisab se inhone likha hai scan narration karenge usse clear samaj aarha hai ki agar koi transacstion loot mai karliya toh woh isko phirse recheck karenge by the time of releasing cashback. Bahut hi mc bank hai yaar, isko ban hi rehna tha. Axis 🪓 se bhi aage ho rhi hai.

Mentioning few kotak fellows: @Aniket @s1t2y3a3m6 @pinki @varun__goel_ @its_karan @Pikachu. @shu_sha_ @prankster @messypenguin @surojitLaha @MrJJ @SSquad @2025 @NShah @La pasión @harshgupta940 @Sup @cool_jazz @donisback7 @SnowLucifer and others.

Kya rotlu bank hai yar ye

 

[6ix9ine]

Acchi baat yeh hai, aaj 30th april hai and fortunately aaj hi dekhliya.

So, if anyone wants to do any "genuine" transactions for the month of april. Aaj karlo else yeh month waste ho jayega.

 

[La pasión]

Sab log ab sahi sai use karo es card ko khas kar amazon pai. Wo log apna scan radar sai Amazon ka gift card ka mcc thik na karwade warna aur card sab waste jayega

 

[Strange]

Gift card pai nahi milega ab😡

Kaha mentioned hai?

 

[6ix9ine]

Sab log ab sahi sai use karo es card ko khas kar amazon pai. Wo log apna scan radar sai Amazon ka gift card ka mcc thik na karwade warna aur card sab waste jayega

+1 HDFC, SBI sab band honge ek sath 😂😂

 

[6ix9ine]

Gift card pai nahi milega ab😡

I believe unka kehna yeh tha ki agar credit card payment site par gift card wala mcc lag rha hoga toh woh usko void kardenge.

If gift card ki website hai and gift card ka hi mcc lag rha hai toh it's genuine transaction and agar woh mcc exclusions mai nhi hoga then you will get cashback.

 

[La pasión]

I believe unka kehna yeh tha ki agar credit card payment site par gift card wala mcc lag rha hoga toh woh usko void kardenge.

If gift card ki website hai and gift card ka hi mcc lag rha hai toh it's genuine transaction and agar woh mcc exclusions mai nhi hoga then you will get cashback.

Hmm dusra baar padha tab samjh aaya.

 

[La pasión]

+1 HDFC, SBI sab band honge ek sath 😂😂

Ye sab salo sai chal rha h yai band hogya to bahut dikkat hoga

 

[6ix9ine]

Ye sab salo sai chal rha h yai band hogya to bahut dikkat hoga

Kotak bank to you:

 

[s1t2y3a3m6]

Bank observed that certain merchants do not use right MCCs while posting a transaction leading to ambiguity. As a remedial action Bank will now also scan narration of the transactions to evaluate cashback eligibility. Transaction narrations related to credit card, wallet load, fund transfer, gift cards, platforms like AmazonPay, Canara Setu etc. and other similar keywords in narration can be construed by Bank for not giving cashback. Decision of Bank on this shall remain final.

Inka April me amazon pay ka itna transaction dekh kar phat gaya hoga.

Now all other banks will follow this for reward/ cashback.
A day will come when we have to submit proof of each transaction for claiming reward/cashback

 

[6ix9ine]

Inka April me amazon pay ka itna transaction dekh kar phat gaya hoga.

Now all other banks will follow this for reward/ cashback.
A day will come when we have to submit proof of each transaction for claiming reward/cashback

Axis is already at it, ghar ke kagaj do and cashback lo else FO

 

[arpit10082]

🚨| Major Update: Kotak has silently updated its T&C without sending any emails, which is apparently allowed under their current policy.

I've updated the first post with the latest link. In this post, I'm highlighting only the changes with red bold.

Note: I’m not sure when exactly Kotak made these updates. So please don’t ask me when they came into effect. I only noticed them today, but I don’t know how long they’ve been live.

(1) In 18th point, they have added 1 more bullet point.
Transactions on below categories will not be considered for cashback:
- Loan repayment
- Wallet load transactions
- Utilities payment
- Credit Card bill payments

(2) 19th point: GSFC benefits will commence post 24 hours of 811 Super fee debit.

(3) 20th point: Virtual debit card will be visible post 72 hours of account opening.

(4) 21st point: Bank reserves the right to not issue Chequebook to customers having abusive behavior.

(5) 22nd point: International transactions will be calculated at ₹95/currency denominator for US Dollar, Pound Sterling, Euro, Australian Dollar, Indonesian Rupiah and Vietnamese Dong as ₹0.05/currency conversion additionally. Singapore Dollar & Canadian Dollar and rest of the currency will be calculated at ₹15/currency, denominator for calculating cashback.

(6) 23rd point: Bank observed that certain merchants do not use right MCCs while posting a transaction leading to ambiguity. As a remedial action Bank will now also scan narration of the transactions to evaluate cashback eligibility. Transaction narrations related to credit card, wallet load, fund transfer, gift cards, platforms like AmazonPay, Canara Setu etc. and other similar keywords in narration can be construed by Bank for not giving cashback. Decision of Bank on this shall remain final.

(7) 24th point: For above point, Bank continuously checks transactions and MCCs and will keep updating their logic. Since it is an on-going activity, no additional communication shall be sent as working details have already been mentioned on above point.

(8) 25th point: Any complaints need to be raised within 45 days of transaction month.

In short, sabse important 23rd point hai. Pehli baar dekh rha hu koi bank canara setu and amazon pay ke clearly mention kar rha hai matlab yeh clear hai ki canara setu ka end Kotak ne hi karwaya, Unipay ka end bhi kotak ne hi karwaya also Amazon wallet loot bhi Kotak ne hi karwaya 🤣 🤣 🤣

and jis hisab se inhone likha hai scan narration karenge usse clear samaj aarha hai ki agar koi transacstion loot mai karliya toh woh isko phirse recheck karenge by the time of releasing cashback. Bahut hi mc bank hai yaar, isko ban hi rehna tha. Axis 🪓 se bhi aage ho rhi hai.

Mentioning few kotak fellows: @Aniket @s1t2y3a3m6 @pinki @varun__goel_ @its_karan @Pikachu. @shu_sha_ @prankster @messypenguin @surojitLaha @MrJJ @SSquad @2025 @NShah @La pasión @harshgupta940 @Sup @cool_jazz @donisback7 @SnowLucifer and others.

gift cards pahle mentioned nahi tha inka koi irada nahi hai cashback Dene ka

 

[Aniket]

Indirectly, Kotak is saying jisko and jispe cashback dena rahega usko denge jisko nahi usko nahi denge

Also, ye chequebook wala kya likha hai jiska abusive behaviour usko nahi denge chequebook 🤣
What's the defination of abusive behaviour?🤣
Ya complaint karne walo ko blacklisting 🤣
Abusive wale ka account hi close kar do na chequebook pe restrictions kyu?🤣
Sara relationship hi khatam kardo future mein bhi kuch na karein 🤣


Inka bas chale toh ye din ko raat aur raat ko din maane lagenge 🤡

 

[guest_123]

Sab log ab sahi sai use karo es card ko khas kar amazon pai. Wo log apna scan radar sai Amazon ka gift card ka mcc thik na karwade warna aur card sab waste jayega

I believe unka kehna yeh tha ki agar credit card payment site par gift card wala mcc lag rha hoga toh woh usko void kardenge.

If gift card ki website hai and gift card ka hi mcc lag rha hai toh it's genuine transaction and agar woh mcc exclusions mai nhi hoga then you will get cashback.

"Bank observed that certain merchants do not use right MCCs while posting a transaction leading to ambiguity. Transaction narrations related to credit card, wallet load, fund transfer, gift cards, platforms like AmazonPay, Canara Setu etc. and other similar keywords in narration can be construed by Bank for not giving cashback."

The above clearly implies no cashback for gift card purchase. Logic being, a gift card is not exactly a "product" as per legal shopping definition & is a "prepaid instrument" which is financial in nature & comes under RBI guidelines. My friend anyway never got cb for buying amazon GV from amazon using 811 super debit card & haven't seen anyone here getting it either. The above change means that now kotak can deny cb for GV purchase even for sites like magicpin/maximize/kotak gyftr which you/others mentioned as working earlier if they want. Keyword here is "if they want" so if kotak calculation shows not much loss in giving cb (considering this as marketing spend for 811 brand) from GVs purchased via their own gyftr portal (maybe kotak bank gets them at discounted rate being their own co-branded portal not to mention kotak brand promotion) then it may allow that but for magicpin where it incurs more loss/no promotion of kotal brand it may deny.