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  5. Features

Silk Savings Programme

Save, Invest, Protect, Indulge

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Silk Women's Savings Account
  • Features
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Silk - Women’s Saving Account

The Kotak Mahindra Bank Silk programme provides women with the best of offers in finance, dining, health and lifestyle, empowering them to do more.

Kotak Women's Savings Account - Silk Debit Card
Kotak Rewards

Higher withdrawal limits with Debit Card exclusively for Silk Savings Programme

Kotak Special Offers - Silk Women’s Savings Account
Exclusive offers

Flat 20% off on a minimum spends of Rs.799 on Urban Company (maximum discount Rs.350) &10%  off on a minimum spend of Rs.2000 on NYKAA (maximum discount Rs.250)

Kotak Bill Payments - Silk Women’s Savings Account
Silk Money Matters

Access to a community that will help women master the art of personal finance (@silk.moneymatters)

Zero Balance Savings Account
Dedicated Query Resolution desk

Dial 80-6969-5555 toll free for all queries

Kotak Silk Savings Account - Home Banking Services
Services

Enjoy doorstep banking like cash pick-up and delivery, cheque/draft delivery, etc. at your home with Kotak Bank’s Silk Savings Programme

Financial Privileges

Exciting Offers

  • Urban Company - Flat 20% off up to INR 350 on a minimum spends list of Rs. 799
  • Nykaa - 10% off on a minimum spend of Rs. 2000 – max Rs. 250


To find out the latest offers available on women's savings account click here


Preferential pricing on banking products

  • 50% discount on Locker rental for the first year for every Silk Women’s Savings Account
  • Rs. 999 flat processing fee on Personal Loan
  • Up to 100% On-road funding on Car Loan
  • Flat ROI @ 9.49% p.a. and zero processing fee on Two-Wheeler loan
  • Zero Processing Fee on Gold Loan


Always by your side

  • Dial 80-69-69-5555 | Available 9:30 am - 6:30 pm from Monday – Saturday
  • Access to Silk Money Matters, a community that will help women master the art of personal finance

Silk Platinum Debit Card

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.

  • Enjoy daily purchase limit of Rs. 2,00,000
  • Get domestic daily ATM withdrawal limit of Rs. 40,000 and international daily ATM withdrawal limit of Rs. 50,000
  • Kotak rewards
    • Experience Kotak Rewards feature where you can earn up to 1500 Kotak Reward Points on purchases carried out through your Silk Platinum Debit Card and redeem points across categories like groceries, apparel, jewellery, hotel, dining etc.
    • Rewards details on Silk Platinum Debit Card spends are listed below


      Below are the details of Reward Points:

      Minimum Spends per month

      Reward Points per month
      1 Kotak Reward point=Rs 0.25

      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 and maintaining average monthly balance . 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 5th of the subsequent month.

  • Insurance facility
    • Liability of lost card- Up to Rs. 3.5 Lakhs 
    • Purchase Protection Limit- Up to Rs. 1 Lakh 
    • Personal Accidental Death Cover-Up to Rs 25 Lakhs
    • Lost Baggage Insurance- Rs. 1 Lakh 
    • Accidental Air Death Insurance- Up to 50 Lakhs

Key Partners

 

Disclaimer

W.e.f. Jun 13, 2022, daily balances in Savings Account above Rs. 50 lakhs will earn 4% interest p.a. Daily balances in Savings Account up to Rs. 50 lakhs will continue to earn 3.50% interest p.a. These interest rates are applicable for Resident Accounts only.

*TnC Apply

*The Two Wheeler loan is provided by KMPL

Year is defined as period of 12 months from 1st January to 31st December for cheque book issuance charges

Ready to take the next step?

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Get a Complimentary Upgrade to Kotak Silk

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Related Products

Kotak 811 Video KYC

811 Digital Bank Account

  • Earn 4%* interest p.a. on your savings account balance
  • Your digital, no commitment, Zero Balance Savings Account
  • Instant account opening with Aadhaar Card (UID Card) details

Know More

Apply Now

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811 Edge Digital Bank Account

  • Get Platinum Chip Debit Card
  • Pay for instore purchases using Scan & Pay
  • Free online transfers (NEFT, RTGS, IMPS) to help you go cashless

Know More

Apply Now

Savings Account - Edge Savings Account - Kotak Mahindra Bank

Edge Savings Account

  • Convert savings account balance above a certain amount into term deposits with Kotak ActivMoney 
  • Average monthly balance requirement of Rs.10,000
  • Free phone banking, net banking (including NEFT) and mobile banking

Know More

Apply Now

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