Kotak Mahindra Silk Inspired Credit Card

Kotak Mahindra Silk inspired credit Card is a credit card that is specially designed to give women more financial independence. It comes with a number of awesome shopping and cashback offers along with reward points, fuel surcharge waiver, benefits on lifestyle and a ‘Silk Inspired Shield’ that covers you against lost cards and thefts and against any  frauds. Moreover you can apply for this card against your term deposits. 

  • Eligibility criteria –
  • Nationality – Indian
  • Age – 18 to 75 years
  • Income –  Applicant can avail this card against their term deposits
  • Term deposit eligibility –
  • Min amount – ₹ 50,000.
  • This card is only offered in some selected cities including – Pune, Bangalore, Navi Mumbai, Hyderabad, Kolkata, Delhi, Chennai, Ahmedabad, Mumbai, Chandigarh.
  • This card is specially designed for women.
  • Documents Required –
  • Proof of Identity –
  • Aadhar Id.
  • Job Card.
  • Voter Id.
  • Driving License
  • Letter from UIDAI.
  • Proof of Address –
  • Passport.
  • Document of property registration.
  • Gas, Electricity or any utility bill. ( recent )
  • Ration card.
  • Proof of Income –
  • Recently submitted form 16.
  • 3 month’s bank statement. (latest)
  • KYC-PAN.
  • Fees – 
  • Joining fee –  ₹ 599. 
  • ▪        Annual fee – ₹ 599 (can be waved off if ₹ 1,25,000 is spend within a year.)
  • Add on fee – None.
  • Over limit fee – ₹ 500. 
  • Benefits –   the benefits of ‘Kotak Mahindra Silk inspired credit Card’ are stated below –
  • Reward points – kotak Mahindra gives you an opportunity to earn big reward points easily. You can earn 5x reward points on each 100 rupees spent on garments and clothing’s also you can earn 1 reward points on other products. So you can earn reward points on your every purchases.
  • Fuel surcharge waiver – with this card you can enjoy a waiver amount of ₹ 3500 annually, at any gas stations in India. Transaction amount – 500 to 3,000.
  • Various offers – with this card you can enjoy a wide range of offers on dining, shopping, travel entertainment and lots more.
  • Movie offer – with this card you will receive free PVR tickets. If you spend 1,25,000 or more within 6 months then you will receive 4 PVR tickets, you can win up to 8 tickets(max)  in a year. The tickets can be used any day , at any time.
  • Card loss liability – Kotak Mahindra covers you against lost cards, with this card you are covered with ₹ 75,000 against lost cards, theft or frauds.
  • Milestone reward – if you spend ₹ 1,25,000 or more within six months then you can win up to 1,000 bonus points or 4 free PVR ticket, the card holder can make a selection between them.
  • Annual  fee waiver – Kotak Mahindra gives you an opportunity to wave off your annual fees, if your yearly spend is over ₹ 1,25,000 then the next year’s annual fee would be waved off.
  • Reward redemption – you can use your reward points for – make mobile recharges,  flight tickets, movie tickets, and you can pay using those points at any branded merchandise. The free PVR tickets can only be used online. 
  • Charges –
  • Cash withdrawal.  – ₹ 300.
  • Card replacement – ₹ 100.
  • Late payment – (in rupees)
  • Up to 500 – 100
  •  500 to 10,000 – 500.
  •  More than 10,000 – 700.
  • Overlimit charge – ₹ 500. 
  • Foreign currency transaction – 3.5% against the transacted amount.      
  • Other benefits –
  • Add on feature – You can share the benefits of your cards with your loved ones, just add your family member (age – 18+) with your card and he/she can enjoy the awesome benefits of your cards.
  • Spend limit – With Kotak Mahindra you can also set a spend limit for your add-on members,
  • Spend tracker – You can also track the spends of your add on members separately.
  • Worldwide acceptance – this card is accepted worldwide, you can transact with this card almost from any corner of the world.
  • 24X7 customer service – Kotak Mahindra customer care service is 24X7 active, in case of any emergency you can contact them any time from any-where.

** For more information visit www.kotak.com    

  • Customer care number –
  • Call –  1800-209-0000


If you are a woman and if you want to live your life in your own way then this is the card you need. It has some of the best features that can fulfill your needs. in fact this is probably the best possible card available for women, in the Indian market.  So if you have the eligibility then you must go and grab the offers.

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