At a Glance
Key Benefits
5X rewards on beauty, 4X on shopping, spa vouchers
Lounge Access
No lounge access
Eligibility
Women, Salaried: Rs 30,000+/month, Age: 21-60
Quick Details
Annual Fee
₹999
#165
Joining Fee
₹999
#166
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.33 - ₹0.83
#215
Reward Type Reward Points
Reward Currency Points
Min Credit Score
720+
#154
Min Monthly Income ₹NaN
Network VISA
Late Payment Fee ₹600
Cash Advance Fee 2.50% (min ₹300)
Fee Waiver on Spend ₹75,000/yr
Reward Structure
Base
All Spends
₹0.33 /₹100
Cat
Beauty & Wellness
₹0.83 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned350
Cash Value₹87
Breakdown
Beauty & Wellness83
Other Spends267
Total Value₹87
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability for fraudulent transactions.
Quick Analysis
The Kotak Mahindra Bank Kotak Silk Inspire is a solid credit card option. With an annual fee of ₹999, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
Pros
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
Who can apply for Kotak Silk Inspire?
Designed exclusively for women with minimum Rs 30,000 monthly income.
What rewards on beauty and wellness?
5X reward points on beauty and wellness spends.
What are the lifestyle benefits?
Spa vouchers, beauty discounts, and exclusive women-focused offers.
What is the fee waiver condition?
Annual fee of Rs 999 waived on Rs 75,000 annual spend.
Is fuel surcharge waived?
Yes, 1% fuel surcharge waiver on Rs 500-3000 transactions.
User Reviews
Ready to Apply for Kotak Silk Inspire?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.
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