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The Kotak Mahindra Bank Silk programme provides women with the best of offers in finance, dining, health and lifestyle, empowering them to do more.
Earn up to 1500 Kotak Reward Points on purchases carried out through your Silk Platinum Debit Card
Flat 10% off on a minimum spend of Rs. 2000 on NYKAA (maximum discount Rs. 250)
Access to a community that will help women master the art of personal finance (@silk.moneymatters)
Earn FD like interest in your Savings Account with ActivMoney click here to know more
Enjoy doorstep banking like cash pick-up and delivery, cheque/draft delivery, etc. at your home with Kotak Bank’s Silk Savings Programme
Exciting Offers
To find out the latest offers available on women's savings account click here
Kotak ActivMoney
Earn FD like interest rate upto 6.50% with your SILK Savings Programme. Sweep in Sweep out limit as per variant. click here to know more
Preferential pricing on banking products
Always by your side
The Kotak Silk Platinum Debit Card has been designed keeping in mind the needs of the new age Woman. It comes with a host of offers on brands across categories, reward points on debit card spends and features that will ensure utmost convenience.
Below are the details of Reward Points:
Minimum Spends per month |
Reward Points per month |
Rs. 7,500 - Rs. 15,000 |
400 |
Rs. 15,001 - Rs. 25,000 |
1000 |
Rs. 25,001 & above |
1500 |
Rewards are subject to meeting of minimum spends criteria. Spends should be on domestic merchant transactions using Debit Card. The reward points will be credited every month for the previous calendar month in your Kotak Rewards account. Validity of reward points will be 1 year from the date of credit. Details of the same will be communicated through email on registered email id and SMS on registered number. ATM cash withdrawals are not eligible for Rewards. Accrued Reward Points for the last month’s spends will be available in Kotak Rewards Portal latest by 15th of the subsequent month.
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1. Effective July 9th, 2025, daily balances in Savings Account across all account balances will earn 2.50% interest p.a. These interest rates are applicable for both Resident and Non-resident Accounts (NRE/NRO).
2. *TnC Apply
3. *The Two Wheeler loan is provided by KMPL
4. Year is defined as period of 12 months from 1st January to 31st December for cheque book issuance charges
Check the fees and charges for the Silk Woman Savings Account.
Explore more savings account options that best suit your needs.
1 Foreign nationals (resident in India), should obtain an undertaking in form QA 22 duly signed by all the persons (irrespective of nationality) who are authorised to operate on the accounts. Fresh declarations will be necessary in the event of any addition to the list of persons authorised to operate on the accounts. Form QA 22 need not be completed by foreign nationals of non-Indian origin permanently resident in India and foreign nationals of Indian origin (other than those who are residing in India for employment of specified duration irrespective of the length thereof or for a specific job or assignment, the duration of which does not exceed three years) and foreign-born wives of Indian nationals and of persons of Indian origin resident in India.
Silk Savings Programme customers are eligible to avail non-maintenance charge waiver in their savings account if they meet the below criteria w.e.f 1st June 2023
Savings Product Balance Requirement (Silk programme customers only) |
Existing balance requirement in Savings (Rs) |
Balance criteria (one of the below) |
|
Savings AMB Requirement (Rs) |
Term Deposit Value (Rs) |
||
Everyday |
20,000 |
10,000 |
50,000 |
Nova |
5,000 |
5,000 |
25,000 |
Edge |
10,000 |
10,000 |
50,000 |
Classic |
10,000 |
10,000 |
50,000 |
Pro |
20,000 |
20,000 |
100,000 |
Ace |
50,000 |
50,000 |
250,000 |
Check the documents required for opening the Silk Woman Savings Account.
Explore more savings account options that best suit your needs.
Click Here to know the fees and charges applicable for respective product scheme opted
Sr. No. | Name of the Document (valid) | Identity Proof | Address Proof |
---|---|---|---|
1 | Passport | Yes | Yes |
2 | Driving Licence | Yes | Yes |
3 | Aadhaar (Post e-KYC authentication by Bank) | Yes | Yes |
4 | Voter Id | Yes | Yes |
5 | Job Card issued by NREGA | Yes | Yes |
6 | Letter issued by National Population Register | Yes | Yes |
Read the terms and conditions for the Silk Woman Savings Account.
Explore more savings account options that best suit your needs.
Silk Savings Programme can be offered to/held by only resident Indian woman customers above 18 years of age. Silk savings programme can be held/opened as sole or joint account. Primary account holder should be a woman in case of joint account. Silk Savings Programme cannot be offered to/held by Minors, Non Residents, Foreigners, Customer having Small or BSBDA accounts. Eligible Schemes for Silk Savings Programme are Everyday, Ace, Pro, Classic, Nova, Platina and Edge.
The terms and conditions applicable for the benefits of Silk Savings Programme are mentioned below, the same is not exhaustive and customers would need to visit the relevant sections of other products to see all terms & conditions
The benefits offered herein under the Silk Savings Programme is complimentary to customers and is in addition to the existing product features and pricing benefits customers avail as part of their Savings Account. Customers will be governed by Savings Account Terms and conditions as defined by Kotak Mahindra Bank.
1. Kotak Rewards
Kotak Rewards feature where customer can earn up to 1500 Kotak Reward Points on purchases carried out through use Silk Platinum Debit Card and redeem points across categories like groceries, apparel, jewellery, hotel, dining etc. T&C Apply.
Minimum Spends per month |
Reward Points per month |
Rs. 7,500 - Rs. 15,000 |
400 |
Rs. 15,001 - Rs. 25,000 |
1000 |
Rs. 25,001 & above |
1500 |
Terms and Conditions:
2. Kotak Silk Platinum Debit Card
Kotak Silk Debit Card customer can spend without worry, anywhere, anytime and enjoy the advantage of higher withdrawal limits with no annual fees on Ace Accounts
Silk POS Limit |
Rs. 5,00,000 |
Silk ATM Withdrawal limit |
Rs. 40,000-Domestic |
Lost Card Liability |
upto Rs.3,50,000/- |
Purchase Protection |
upto Rs.1 ,00,000/- |
Debit Card Type |
Platinum card |
Personal Accidental Death Cover |
|
Lost baggage Insurance |
Up to Rs. 1,00,000/- |
Air Accidental Death Insurance |
Up to Rs. 50 lakhs |
3. NYKAA
Offer Construct: 10% instant discount on minimum spends of Rs.2,000 (maximum discount of Rs.250)
Validity: Offer period 1st January 2023 to 31st March 2025
Terms and Conditions:
Bank Terms and Conditions:
4. Silk + Kotak Myntra Credit Card
Offer:
Click here for more information on Kotak Myntra Credit Card
5. Locker Discount
Offer: Silk Savings Programme Customer can avail 50% discount on locker rental for the First Financial year
Terms and Condition:
Lockers are subject to availability. Discount applicable for locker allotment in the financial year of enrolling for Silk
6. Two Wheeler Loan
Offer:
Disclaimer:
Two Wheeler loans is a product of Kotak Mahindra Prime Ltd which is a subsidiary of Kotak Mahindra Bank Ltd. Available at select locations. *Flat Rate of 9.49% will translate to an approx. ROI of 17.50% p.a. Mandatory fees and stamp duty charges as applicable. Loan sanction and disbursement will be subject to complete documentation and credit at sole discretion of Kotak Mahindra Prime Ltd and subject to guidelines issued by RBI from time to time. CIN: U67200MH1996PLC097730 Registered office address: 27BKC, C27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai- 400051.
Women special offer is applicable to existing Kotak Group female customers. Offer is applicable only for Female applicants taking loan on a Scooter. Offer applicable on select Electric Scooters as well.
7. Car Loan:
Offer:
Sl No |
Scheme Offering |
1 |
Up to 100% On Road Funding |
2 |
Tenor up to 7 years |
3 |
Special Offers on Pre-Payment and Part Payment Charges |
Disclaimer:
T&C Apply, Car Loan is offered by Kotak Mahindra Prime Ltd. which is a subsidiary of Kotak Mahindra Bank Ltd. Conditions apply. Available at select locations. Credit at sole discretion of Kotak Mahindra Prime Ltd. and subject to guidelines issued by RBI from time to time.
8. Gold Loan:
Offer- Zero processing fees for Silk accounts
Terms and conditions
Credit at the sole discretion of the Bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets.
Loan to Value ratio as prescribed by RBI from time to time. Credit at the sole discretion of the Bank and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets. Available in select locations only.
9. Personal Loan
Offer: Flat processing Fee of Rs. 999/-
Disclaimer:
Terms & Conditions apply. Credit at the sole discretion of Kotak Mahindra Bank Ltd. and subject to guidelines issued by RBI from time to time. Bank may engage the services of marketing agents for the purpose of sourcing loan assets. Personal Loan will not be disbursed if the Savings Account is in dormant or freeze state. To activate your dormant account, please visit the nearest Kotak branch.
10. Dedicated help desk
11. Silk offer Card