Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Kotak Silk Inspire Credit Card

    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 women 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.


    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 credit card 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.


    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 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.


    • 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

    Fees and charges

    Fee type 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.

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