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Updated Oct 2026·By Arun, Chartered Accountant·1 min read·Cross-checked vs issuer MITC & RBI·How we research
Discontinued for new applicants
Verified October 2026 against the issuer’s current product page, terms and notices: Kotak no longer offers the Silk Inspire credit card: it isn’t in Kotak’s credit card list and has no product page, and the current ‘Silk’ product is a women’s debit card. Kotak’s terms still mention the card for existing holders: interest is 3.75% a month, a fuel surcharge waiver applies, and there’s no railway surcharge waiver. Kotak doesn’t currently publish its fees or rewards, so new applicants should look at Kotak’s current cards.
Kotak Silk Inspire Credit Card (Discontinued): What to Know
Kotak Mahindra Bank · Women’s card · No longer offered
No longer offered
Silk is now a debit card
Interest 3.75% a month
Last reviewed: October 2026, against Kotak’s credit card list and MITC.
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Current status
The Silk Inspire credit card no longer appears in Kotak’s credit card list and has no product page. The ‘Silk’ product Kotak offers today is the Silk Platinum Debit Card. Kotak’s MITC still mentions Silk Inspire Platinum for existing cardholders.
Terms for existing cardholders
| Item | Terms |
|---|---|
| Interest | 3.75% a month (45% a year) |
| Fuel surcharge waiver | Eligible |
| Railway surcharge waiver | Not eligible |
| Forex markup | 3.5% |
| Fees and rewards | Not currently published by Kotak — check your statement or the Kotak app |
Alternatives
For a current Kotak card, see our Kotak League Platinum review or the FD-backed Kotak Dream Different card.
FAQ
Can I still get the Kotak Silk credit card?
No. Kotak no longer lists it; the Silk name is now used for a debit card.
What interest does the card charge?
3.75% a month (45% a year) on unpaid balances.
Ready to apply for this card?
Apply on the official Kotak Mahindra Bank site →Opens Kotak Mahindra Bank’s official website. Check current fees & eligibility before applying.