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

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    Fees & Charges

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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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      "Good card"
      0.5 4.0/5 "Great!"
      I had been holding Kotak mahindra bank credit card previously,now i have closed this card recently,as i do not want any credit card,and they have charged me annual fee in this card,but no waived off option available in this card, and i was happy with the credit limit.
      Was this review helpful? 0
      , bangalore
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    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been holding Kotak mahindra bank credit card for long time.They have not charged me annual fee in this card,as it is life time free credit card, and i am happy with the credit limit which they have given me in this card,but i have been using this card for more than one and half year they have not given me good offers.
      Was this review helpful? 0
      , faridabad
      Reviewed on Mar 17, 2019
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been holding Kotak mahindra bank credit card for long time.They have not charged me annual fee in this card,as it is life time free credit card, and i am happy with the credit limit which they have given me in this card,but i have been using this card for more than one and half year they have not given me good offers.
      Was this review helpful? 0
      , faridabad
      Reviewed on Mar 17, 2019
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been holding Kotak mahindra credit card for long time.They have charged me annual fee in this card, but waived off option is available in this card,and i am happy with the credit limit which they have given me in this card, and they have given me good offers.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 17, 2019
    • Kotak Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding Kotak mahindra credit card for long time.They have not charged me annual fee in this card,as it is life time free credit card, and i am happy with the credit limit which they have given me in this card,and they use to give good offers,
      Was this review helpful? 0
      , pune
      Reviewed on Mar 17, 2019
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have received a League credit card from Kotak Mahindra which I had applied through online channel. The credit limit was 1L which am satisfied. I have been using the card for 2 to 3 months and receive the bills through emails. The charges are not known. The annual charges are not applicable.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 16, 2019
    • Kotak Credit Card
      "Need to increase the credit limit"
      0.5 3.0/5 "Satisfactory"
      They were responsive and the customer service is good. I have taken a Kotak Visa Platinum credit card through online channel. The credit limit was very low so am not using the card much. I think, They are charge Rs.500 as an annual fee. The documents are submitted online.
      Was this review helpful? 1
      , secunderabad
      Reviewed on Mar 16, 2019
    • Kotak Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      Last two years I got kotak mahindra credit card but I didn;t use still now because this card only use for reliance hall cell and I want to closed this card and write a latter but still now my card is not closed and this card limit is only 10k and customer response is not properly and suppose if I spend in reliance hall cell something then only 15 days time given me. So I am not satisfied with this bank .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 16, 2019
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have applied for Kotak Platinum credit card because of their service is good. But have not received the card and no information has been concluded on the same. It is annual free card and the documents are submitted to the executive. Also am a salary account holder with them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 16, 2019
    • Kotak Credit Card
      "Need more improvement in customer service "
      0.5 1.0/5 "Really Bad"
      In Kotak mahindra bank , I faced one bad experience . Some on-line fraudulent group cheated me Rs 7000 /- in on-line . I approached from KMB customer care people and they made no effort for finding me a solution . Till now i didn't get any response for that .
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 16, 2019
    • Kotak Credit Card
      "Good for basic usage"
      0.5 4.0/5 "Great!"
      Using Kotak Mahindra credit card around 3.5 years, they give all the benefits like emi, cash withdrawal , balance transfer. I am using platinum credit card, its a nonchargeable card. The limit of the card is only Rs. 30,000 its fine for me as of now.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 16, 2019
    • Kotak Credit Card
      "Excellent credit card "
      0.5 5.0/5 "Blown Away!"
      I am using the Kotak mahindra Bank credit card for more than 1 years . My credit limit is up to 1 lakh . Conversion of EMI in minimum rate of interest . Annual fees has been waived of . Flip kart offers 10 % discount for Axis bank holders . KMB sends alert messages about the on-line offers .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 16, 2019
    • Kotak Credit Card
      "Average card "
      0.5 3.0/5 "Satisfactory"
      I am not so happy with KOTAK MAHINDRA BANK Credit card . They offered very low credit limit with this card . This is just basic card nothing is special with this card . There is no joining fee at the time of getting the card. The whole application is easy . Average card .
      Was this review helpful? 0
      , noida
      Reviewed on Mar 16, 2019
    • Kotak Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I have been using this card for long time, the credit limit with the card is satisfactory and the card has been having some annual charges as well. It has some good benefits like reward points and cash back offers, where i use the card for most of the purchases.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 15, 2019
    • Kotak Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      Used this card almost for 3 yrs and still using it. Transactions are smooth, the best thing is interest Rates are very low and there is no delay in OTP issues compare to other banks. I hold KOTAK MAHINDRA credit card . Fine charges normally are very less. Good to go card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 15, 2019
    • Kotak Credit Card
      "Excellent service"
      0.5 2.0/5 "Expected more"
      I am using this Kotak Credit Card for the past one and a half year.The Credit limit is good ,getting good cash back offers and good reward points as well .The service is good as of now ,not yet faced any difficulties till now .The Overall service is good and satisfactory according to me .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 15, 2019
    • Kotak Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has almost been more than two and a half years since i am using this credit card. The services of them has been quite good, i am happy with the credit limit with this card and there has been some better offers which comes with this card as well. I am using this card for all sort of purposes like shopping.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 15, 2019
    • Kotak Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have applied for Kotak Credit Card directly with Kotak Bank.I have this Kotak Credit Card around One and a half years .The Credit limit is good as well.It is having good cashback offers and reward points as well.The Overall service is good according to me .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 15, 2019
    • Kotak Credit Card
      "Good Card for PVR offers"
      0.5 5.0/5 "Blown Away!"
      From Kotak Mahindra, I am holding PVR credit card, every month after Rs.15,000 transaction I would get 2 PVR movie tickets worth Rs.450. If I spend Rs.10,000 I get Rs.400 one movie ticket. The help desk is reachable all the time, twice I spoke with the executives.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 15, 2019
    • Kotak Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      Recently I opted a credit card with Kotak Mahindra Bank and its been one month. The process was easy and the service is also good. The interest rate is equivalent to other banks. It is a Royale Signature card and limit was sufficient. The annual charge is Rs.500.
      Was this review helpful? 0
      , mumbai
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