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Presenting Kotak Silk Inspire Platinum Credit Card. A perfect way to say -Inspired by you. This card is the first, dedicated to you.
No other card understands you as well as Kotak Silk Inspire Platinum Credit Card, which comes with an aesthetic look. Its card design is a work of art from Bharti Dayal, an exceptional painter from the heartland of Mithila.
*Max Rewards on Apparel in a billing cycle is 500. Reward points earned on Apparel for the current month will be credited in the next billing cycle
**Reward points earned with purchases done on other categories will be given over and above the Reward Points earned for purchases done on Apparel Spends
***Applicable on transactions between Rs. 500 and Rs. 3, 000. Maximum Fuel surcharge waiver allowed in a calendar year is Rs. 3,500
Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.
Kotak Credit Cards are transparent in communicating upfront what the card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this card.
Kotak Credit Cards have understood what you need the most from your credit card, and have been designed to give you only those benefits that are most relevant for you.
This promise from Kotak ensures that you only get the best from your credit card!
The Kotak Silk Inspire Platinum Credit Card has been exclusively designed for women to derive benefits on card spends. Your lifestyle requirements and the relevant benefits have been kept in mind so that you could derive the maximum out of it.
The Kotak Silk Inspire Platinum Credit Card is a VISA Chip Platinum Card.
Kotak Silk Inspire Platinum Credit Card offers a unique feature on every purchase that you make and its card design is a work of art from Bharti Dayal, an exceptional painter from the heartland of Mithila.
Get up to 5X Reward points on every Rs. 100 that you spend on Apparel. And each reward is worth Re 1. So for every Rs. 100 that you spend on apparel, you save Rs. 5!*
*Minimum retail purchase in billing cycle = Rs. 7, 500 Maximum reward points in a month 500 valued at Rs. 500
What's more, you earn 1 reward point for every Rs. 200 you spend on other categories. So you save with every swipe!
Reward Points can be redeemed for Cash, Airline Tickets, Merchandise, Mobile recharge and many more options!
Besides this, enjoy 2.5 % fuel surcharge waiver across all petrol pumps in India
Also enjoy Milestone feature where you will get 8 movie tickets or 2000 reward points every year. For details, click here.
The Joining fee for Kotak Women's Platinum Card is Rs. 599 +ST.*
*Joining Fees of Rs. 599 is applicable in the 1st Year and charged one time at the beginning of the year. It is billed in the 1st statement generated after card set up in the 1st Year.
The Annual fee for Kotak Women's Platinum Card is Rs. 599 +ST.
# Annual fee of Rs. 599 will be charged at end of the year if the below condition is not met.
Conditions for annual fee waiver for 1st Year: Minimum retail spends of Rs. 1, 25, 000 in the first year.
Conditions for annual fee waiver for 2nd Year and Onwards: Minimum retail spends of Rs. 1, 25,000 in second year and onwards.
Yes, the Kotak Silk Inspire Platinum Credit Card is valid internationally.
Yes, you enjoy an interest free period on retail transactions of up to 48 days.
The interest free period is limited only to the retail transactions & does not include cash transactions. The interest starts accruing from the date of cash withdrawal.
The interest applicable to you is 3.50% per month
A markup is charged to the tune of 3.5% + ST every time you do an international transaction. Cash and Retail transactions will both attract a markup.
If your transactions cross 100% of your credit limit, you will be charged a flat over limit fee of Rs. 500 in each billing cycle that you are over limit.
In a billing cycle your payment received till the payment due date is lesser than the minimum amount due it will attract late payment charges. To know more click here
Interest charges = (Number of days for which a balance is held) * (Amount) * (Daily rate of interest)
Daily rate of interest = (Monthly interest rate) * 12/365
Daily rate of interest = (3.5%) * 12/365 = 0.1118%
Yes, you can gift Add-On Card to daughter or mother as it is available on Silk Inspire Platinum Credit Card and comes complimentary to you.
Yes, all Kotak Silk Inspire Platinum Credit Card features can be availed by your daughter/ mother.
The monthly reward point's limit of 500 on Apparel transactions has been set up for the Primary & Add-On Card combined. Hence, your daughter/ mother will not get any separate reward points.
Most credit card companies have tie-ups with only a select oil companies and hence the waiver is valid only at select petrol pumps, but Kotak Silk Inspire Platinum Credit Card will offer the customer fuel surcharge waiver across all domestic petrol pumps.
The minimum is Rs. 500 and the maximum is Rs. 3, 000.
The maximum transaction amount for a single swipe is Rs. 3, 000. Hence the maximum surcharge waiver can be Rs. 75 (2.5% of Rs. 3, 000).
Maximum Fuel surcharge waiver allowed in a calendar year is Rs. 3, 500
On the Kotak Credit Card the insurance cover is for Lost/stolen card /fraudulent charges provided by HDFC ERGO General Insurance Company.
If your credit card is lost or stolen, HDFC ERGO General Insurance Company will reimburse the unauthorized charges on your lost or stolen card, up to 7 days prior to your first reporting the event to Kotak Credit Card Customer Care.
Insurance is provided on both the primary card and the add-on/supplementary cards. We recommend that you read the Most Important Terms and Conditions and Cardholder Agreement for further details.
HDFC ERGO General Insurance Company will not pay for any expenses or loss for:
The sum insured is Rs. 25, 000.00 / 50,000 / 75,000 / 2, 50,000.00 per annum for Silver, Gold, Platinum/Titanium and Signature cards respectively.
Please submit the following mandatory documents to HDFC ERGO within 7 days from day of event / loss to register your claim -
The Claim form and Dispute form can be downloaded from www.kotak.com. The settlement of the claim registered by you will be subject to approval of the claim by the Insurance Company after independent investigations and shall be limited to the eligible insurance amount as per your card type as mentioned. Kotak Credit cards will not be responsible for any disputes arising out of any claims. All claims will be directly handled by HDFC ERGO General Insurance Company.
If the insurance claim is approved by the Insurance Company the disputed transaction amount[s] would be credited to your card account, subject to the eligible insurance amount. In case the disputed amount exceeds the eligible claim amount you shall be liable to pay for the excess amount of the disputed transaction(s) as reflecting in your Kotak Credit Card Statement.
In case if you fail to register your claim with the Insurance Company or if your claim is rejected by the Insurance Company you will be liable to pay the amount of the disputed transaction(s) as reflecting in your Kotak Credit Card Statement.
You can choose from the below redemption options:Redemption Option 1:
To track your spends and claim your benefit visit Click here
For details and terms and conditions click here
If price of the ticket is more than Rs. 400, the difference amount shall be paid by the cardholder along with booking/convenience fees.
PVR tickets will not be applicable for customers who fall under non - PVR location city.
PVR movie tickets can be redeemed online only on www.pvrcinemas.com. PVR movie tickets cannot be redeemed at Box office.
|Credit Card expenses||Savings - Year 1||Savings - Year 2 onwards|
|5% rewards on Apparel spends on monthly spends of 10,000 *||6000||6000|
|Savings on spends done on other categories on monthly spends of 5000||300||300|
|2.5% Fuel Surcharge waiver across all petrol pumps in India **||3000||3000|
|Milestone Benefit of 4 PVR tickets or 1000 Reward Points on spending 1,25,000 every 6 months ***||2000||2000|
|Total Savings in a year||11300||11300|
|Joining fee ****||-599|
|Annual fee waiver on spends of Rs. 125000 in the previous year||-599|
|Net Savings in a year after paying the fees||10701||11300|