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  • Kotak Silk Inspire Credit Card - Exclusively for Women

    Fees & Charges

    Promised Interest Rate

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    Kotak Silk Inspire Credit Card - Exclusively for Women

    Established in 1985, Kotak Mahindra Bank is one of the popular banks in India. This year, Kotak Mahindra Bank introduced “Kotak Silk Inspire Credit Card”, a card that is exclusively designed for Indian women. This credit card is introduced with an objective to maximise financial independency among women and can be availed without any income proof as it is sanctioned against fixed deposits.

    Key highlights:

    • Get up to 5x reward points on every Rs.100 spent on clothing.
    • Earn 1 reward point on every Rs.200 spent on any other categories.
    • Fuel surcharge waiver of 2.5% is applicable when you use your Kotak Silk Inspire Credit Card at any petrol pump across the country.
    • Enjoy 8 free PVR tickets every year.

    Benefits:

    Silk Inspire Shield: Silk Inspire Shield is the insurance protection given to your card. In case your card is stolen, you get a cover of up to Rs. 75, 000 against fraudulent transaction. Please call Kotak customer care to report stolen card as soon as you lose your card.

    Lifestyle benefits: Cardholders also get attractive dining, shopping, travel or entertainment offers on Kotak Mahindra Bank website. Check offers regularly and save money!

    Additional cards: You can get add-on cards with all the primary card benefits for your loved ones at a nominal fee. You can set the spend limit on your add on card and can track the spends separately. Visit Kotak Bank website to apply for an add-on card instantly.

    Reward points: Kotak Silk Inspire Credit Card members can earn up to 5x reward points on every Rs.100 spent on apparels using the card. Minimum retail shopping spends is restricted to Rs.7500 per billing cycle. You can also earn 1 reward point on every Rs.200 spent on other categories.

    Features:

    Redemption option 1: Cardholders can spend Rs.1, 25, 000 in 6 months and enjoy a maximum of 8 complimentary PVR movie tickets per year. These tickets can be used for any day, any show and is transferable. You can also redeem it online at pvrcinemas.com using Star Pass Code that will be issued. You will

    Redemption option 2: Cardholders can spend Rs.1, 25, 000 and get a maximum of 2000 reward points in a year. Reward points earned will be credited in the next billing cycle and can be used against flight booking, mobile recharge, hotel bookings or any such expenditure.

    Eligibility:

    • You can apply for Kotak Silk Inspire Platinum Credit Card if:
    • You are between 18 to 75 years old.
    • You are located in Bangalore, Ahmedabad, Chennai, Delhi, Chandigarh, Hyderabad, Mumbai, Kolkata, Navi Mumbai or Pune.
    • If you have an individual term deposit with a minimum amount of Rs.50, 000.
    • You are an Indian resident.

    How can you apply for a Kotak Silk Inspire Platinum Credit Card?

    You can apply for Kotak Silk Inspire Platinum Credit Card by visiting Kotak Mahindra Bank website. To compare this card with other credit cards in the market or to apply for it instantly, you can visit BankBazaar.com.

    Fees and charges

    Detail Amount
    Joining fees RS. 599 one-time joining fee will be charged for the first year.
    Annual fee Annual fee of Rs.599 will be charged at the beginning of the second year. This fee can be waived if the customer has spent Rs. 1, 25, 000 in the first year.
    Duplicate card Rs. 100
    Cheque bounce charges Rs.500
    Cash payment Payments made is bank will attract Rs.75 processing fee.
    Foreign currency mark-up Up to 3.5%
    Add-on card Nil
    Interest charges 35%

    Late charges

    Amount Charges
    Rs.100 to Rs.500 RS.100
    RS.50 to Rs.10, 000 Rs.500
    Rs.10,0001 and above Rs.700
    Over limit charge Rs.500

    Frequently asked questions

    1. What is the value of 1 reward point?

      1 reward point is equal to Rs.1.

    2. What is the maximum reward points on apparels I can accumulate in a billing cycle?

      Max Rewards on Apparel in a billing cycle is 500

    3. What is the maximum fuel waiver allowed in a year?

      The maximum fuel waiver allowed in a year is Rs.3500.

    4. Till when is my PVR tickets or reward points valid?

      PVR tickets should be claimed within 3 months after the program period gets over

    5. What will be the credit limit on my card?

      Credit limit will be informed before you apply for a card. It is usually up to 80% of the term deposit amount. The maximum credit limit can go up to Rs.12 lakhs.

    Other Top Credit Cards By Kotak Bank

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  • Credit Card Reviews

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      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I took credit card from Kotak mahindra bank, they have given me good credit limit in this card, and they provide me good offers and discounts in maximum products, and they have not charged me annual fee in this card, it is life time free credit card, overall service so far i have experience was good.
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      , bangalore
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    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been holding my credit card with Kotak mahindra bank , there have not charged me annual fee in this card , it is life time free card, i am happy with the credit limit they have given me in this card, i am sufficient and there overall service is good.
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      , pune
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    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using Kotak mahindra bank for last few year for credit card , There are no annual charges for the card. AM satisfied with the customer service as they do respond well . I used to get reward points . Overall am satisfied with the card and service.
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      , chennai
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    • Kotak Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      There are no hidden charges for Kotak credit card. I am holding this credit card for last 6 months. They are charging a late fee of Rs. 750 and the interest rate was 18% The credit limit which they offered me was not sufficient. I have not faced any kind of issue with this card.
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      , mumbai
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    • Kotak Credit Card
      "Hassle free"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra Bank has offered me a credit card and there is a annual fee for the card. The credit limit is fine and the statements are sent to me on time. The card also has good offers and deals and the card is beneficial to me. Overall no hassles.
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      , hyderabad
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    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra Bank has offered me a life time free credit card. They have also increased the limit. There are good deals and offers on the card. The customer support and response is good and there are no issues while using the card. The overall service is fine.
      Was this review helpful? 0
      , pune
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    • Kotak Credit Card
      "Need lot of improve on credit card"
      0.5 1.0/5 "Really Bad"
      I didn't get any offers, the credit limit is good around Rs.58,000 they are not very good in credit card offers and service, I am using this card around two years, when I do shopping they won't give any cash back offers on the transactions of my card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2018
    • Kotak Credit Card
      "Very Good card"
      0.5 5.0/5 "Blown Away!"
      Still now i have received the one month statement and no issues with it. They have given me a credit limit of Rs. 85000 and cash limit of Rs. 17000 and I'm happy about it. Past 1.5 months I'm using this card. They are offers on sur charges on petrol purchase. There is no annual fee. I called the customer care service and the response was prompt.
      Was this review helpful? 0
      , bangalore
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    • Kotak Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had been using this card for the last two years and the services which they had been providing so far has been good. The credit limit with the card has been sufficient and there has been some annual charges with this card as well. There has also been some good benefits which comes along with this card as well.
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      , bangalore
      Reviewed on Dec 11, 2018
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have purchased the credit card 2 months before. They have offered me a credit limit of Rs. 50000 and I'm almost planning to close the card for after 6 months if they are not increasing the credit limit. They given me a card with a free of cost. As of now I'm not getting any offers on discounts, cash back. I'm unable to login their Internet banking.
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      , chennai
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    • Kotak Credit Card
      "Awesome card"
      0.5 5.0/5 "Blown Away!"
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      , vadodara
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      , chennai
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    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
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      Was this review helpful? 0
      , bangalore
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    • Kotak Credit Card
      "Good Card"
      0.5 4.5/5 "Excellent!"
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      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 11, 2018
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with KOTAK MAHINDRA BANK , i am holding this card for past 4 year . It has been a good experience with the card because they've given me a very good credit limit. Benefits i cannot comment because i have not use till date . I use this card for multipurpose .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 10, 2018
    • Kotak Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with KOTAK MAHINDRA BANK , i am not happy with the service without my commitment they charge on my credit card the service for which i am not aware . There is so much of hidden charges . The credit limit is also low they promise something and they did not fulfill .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 10, 2018
    • Kotak Credit Card
      "Good for air lounges"
      0.5 5.0/5 "Blown Away!"
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      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 09, 2018
    • Kotak Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I hold a Kotak Credit card. I am satisfied with the credit limit, it is somewhere around 60k and i never had any issue while doing any transactions. Well compare to my other cards the offers here are less and bank can probably look for offers so that customers are benefited.
      Was this review helpful? 1
      , surat
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    • Kotak Credit Card
      "Excellent card"
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      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 08, 2018
    • Kotak Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
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      Was this review helpful? 1
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