Silk Inspire Credit Card - Exclusively for Women

1860 266 2666

Local call rates apply

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.

  1. Up to 5x reward points:
    on every Rs. 100 spent on Apparels* with your Kotak Silk Inspire Credit Card where
    • 1 reward point = Rs. 1/-
    • Minimum Retail Spends in a billing cycle: Rs. 7500/-
  2. More Rewards:
    Earn 1 reward for every Rs. 200 spent on other categories** without any restrictions. So earn rewards on every spends.
  3. Plus, a world of offers:
    Enjoy a wide array of incredible offers and deals on Shopping, Dining, Travel, Entertainment and more. Know More
  4. Fuel Surcharge Waiver:
    2.5% Fuel Surcharge waiver at any petrol pump across India***
  5. Silk Inspire Shield
    • In case your Credit Card is stolen, you get a cover of Rs. 75,000 against fraudulent usage up to 7 days pre-reporting
    • You are required to immediately call Customer Contact Centre (1860 266 2666) and get your card deactivated / blocked to prevent misuse and register a claim with the Insurance Company
      Know More
  6. Add-On Card
    • Your Add-On Card will have all the benefits that you enjoy on your Card
    • Set the spend limit on your Add-On Card as you desire
    • Track spends separately for each of your Add-On Card(s)
    • To know more about our Credit Card service charges and fees click here
    • To Apply for Add-On Card Click here

Please note:

*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


 
  • Primary Card holder should be in the age bracket of 18 years to 75 years. Add-On Card holders should be 18 years and above.
  • Location - Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune

Credit Card against Term deposit

Eligibility

  • Minimum Term deposit Amount - Rs.50,000/-
  • Only Individual TDs are allowed
  • Should be a resident of India

Credit Limit

  • Up to 80% of the term deposit amount
  • Limit known upfront at the time of applying card
  • High credit limit, up to 12 lakhs.

Expand All

About Silk Inspire Platinum Credit Card

Why should I select a Kotak Credit Card?

Simplicity

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.

Transparency

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.

Relevance

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!

Whom has the Silk Inspire Platinum Credit Card been designed for?

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.

What type of card is Kotak Silk Inspire Card?

The Kotak Silk Inspire Platinum Credit Card is a VISA Chip Platinum Card.

Why should I choose a Kotak Silk Inspire Platinum Chip Credit Card? Are there any specific benefits that I get?

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 5X Reward Points

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

The more you spend, the more you earn

What's more, you earn 1 reward point for every Rs. 200 you spend on other categories. So you save with every swipe!

Redeem your Reward Points

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.

What is the Annual & Joining Fee for this Card?

Joining Fee

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.

Annual Fee

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.

Is this card valid internationally?

Yes, the Kotak Silk Inspire Platinum Credit Card is valid internationally.

Do I enjoy any interest free period on retail?

Yes, you enjoy an interest free period on retail transactions of up to 48 days.

Do I enjoy any interest free period on cash?

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.

What is the interest rate that is applicable to me?

The interest applicable to you is 3.50% per month

When do you charge me an International markup fee?

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.

When do you charge me an over limit charge?

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.

When do you charge me a late payment fee?

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

How is the interest calculated on cash?

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%

Am I entitled for an Add on card?

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.

Are all the Kotak Silk Inspire Platinum Credit Card features available on the Add on card?

Yes, all Kotak Silk Inspire Platinum Credit Card features can be availed by your daughter/ mother.

Will the Add-on Cardmember get separate reward points?

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.

Fuel Surcharge Waiver

Where is the waiver valid?

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.

What is the minimum/ maximum transaction amount for a single swipe?

The minimum is Rs. 500 and the maximum is Rs. 3, 000.

What is the maximum fuel surcharge waiver that I can get on a single transaction?

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).

Is there any monthly or annual cap on how much surcharge can I earn?

Maximum Fuel surcharge waiver allowed in a calendar year is Rs. 3, 500

Insurance Cover

What is the insurance cover on the Kotak Credit Card?

On the Kotak Credit Card the insurance cover is for Lost/stolen card /fraudulent charges provided by HDFC ERGO General Insurance Company.

What does the Insurance cover include?

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.

What does the insurance cover exclude?

HDFC ERGO General Insurance Company will not pay for any expenses or loss for:

  • Charges made on your lost or stolen credit card more than 7 days prior to your first reporting the event to Kotak Credit Cards Customer Care.
  • Charges made on your lost or stolen credit card after you first reported the event to Kotak Credit Cards Customer Care.
  • Charges made on your credit card if your credit card has not been lost or stolen;
  • Cash advances made with your lost or stolen credit card;
  • Charges incurred by a resident of your household, or by a person entrusted with your credit card.

What is the total sum insured?

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.

What do I have do, in case my credit card is lost or stolen?

  • In case your card is lost or stolen immediately call Customer Contact Center (1860 266 2666) and get your card deactivated / blocked / cancelled to prevent misuse .
  • You are required to register a claim with the Insurance Company and can contact HDFC ERGO General Insurance Company at 1800 2700 700 or send an email at bankclaims@hdfcergo.com for registering the claim
  • Send a copy of the Customer Dispute Form to the Bank. You can either fax us at 022-66466901 or mail a scanned copy at service.cards@kotak.com

How do I register the claim with HDFC ERGO General Insurance Company?

Please submit the following mandatory documents to HDFC ERGO within 7 days from day of event / loss to register your claim -

  • Filled in Claim form
  • Filled in Dispute form
  • FIR copy

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.

What happens if the Insurance Company approves my claim?

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.

What happens if the Insurance Company rejects my claim or I fail to register a claim with the Insurance Company?

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.



Spend Rs. 1, 25,000 every 6 months and get 4 free PVR tickets OR 1000 reward points

You can choose from the below redemption options:

Redemption Option 1:
  • Enjoy a maximum of 8 free PVR tickets every year
  • PVR tickets can be used for any day and any show and are transferrable.
  • Star Pass Code will be issued which can be redeemed for online PVR Movie Ticket booking at www.pvrcinemas.com
  • You can claim your PVR tickets within 3 months after the program period gets over
Redemption Option 2:
  • Maximum 2000 reward points in a year
  • Reward points will be credited in the next billing cycle
  • Reward points can be used for a host of redemption options like Air tickets, Airmiles, Movie Tickets, Mobile Recharge / Branded Merchandise
  • You can claim your reward points within 3 months after the program period gets over

To track your spends and claim your benefit visit Click here

For details and terms and conditions click here

Please note:

PVR tickets will not be applicable for customers who fall under non - PVR location city.



Cash | Airline tickets | Air Miles | Movie Tickets | Mobile Recharge | Branded Merchandise

World of Choices. Just for you!
Why not treat yourself with the choice of rewards which are crafted just for you. It has been packed with exciting reward points you would love to redeem.

Accumulate your reward points and redeem them against a host of exciting options like Movie Tickets, Airmiles and Cash
  • Visit www.kotak.com
  • Click on Net Banking
  • Login using your CRN, Password & Dynamic Access Code
  • Choose Credit Cards
  • Select Reward Redemption option of your choice.
Please note: For redemption against Airline tickets / Merchandise / Mobile recharge, Reward Points have to be converted to Easy Points. 1 Reward Point = 2 Easy Points.

Credit Card expensesSavings - Year 1Savings - Year 2 onwards
5% rewards on Apparel spends on monthly spends of 10,000 *60006000
Savings on spends done on other categories on monthly spends of 5000300300
2.5% Fuel Surcharge waiver across all petrol pumps in India **30003000
Milestone Benefit of 4 PVR tickets or 1000 Reward Points on spending 1,25,000 every 6 months ***20002000
Total Savings in a year1130011300
Joining fee ****-599 
Annual Fee***** 599
Annual fee waiver on spends of Rs. 125000 in the previous year -599
Net Savings in a year after paying the fees1070111300

Discalimers

*Maximum reward points of 500 can be earned in a month for Apparel spends Subject to minimum of Rs7500 spends within the billing cycle
Reward points are offered on transactions undertaken at only those merchants’ establishments which are classified under "Apparel" Merchant Category Code (MCC) as defined by VISA.
**Fuel Surcharge waiver is applicable on all transactions between Rs.500 and Rs.3000. Maximum fuel surcharge waiver allowed in a calendar year is Rs.3500.
***For calculation purpose the average PVR tickets price has been taken as Rs.250.
****Joining fee of Rs.599 is applicable in the 1st year and charged one time at the beginning of the year. It is billed in the first statement generated after card set up in the 1st year.
*****Annual fees of Rs.599 will be charged in the beginning of the 2nd year. The annual fee can be waived off if the customers annual retail spends for the previous year are Rs1.25 lakhs. Similarly for subsequent years.
Register for Alerts & Services
Apply for Products
Tools & Calculators