Question 1

Is Kotak Silk Inspire Credit Card worth the ₹499 annual fee?

Accepted Answer

Kotak Silk Inspire Credit Card has an annual fee of ₹499. The fee can be waived if you spend ₹1l/year. With a base reward rate of 0.5% (up to 2%),  and a CardTrail Score of 5.9/10, it may suit specific spending patterns.

Question 2

What is the reward rate on Kotak Silk Inspire Credit Card?

Accepted Answer

Kotak Silk Inspire Credit Card offers a base reward rate of 0.5% on regular spends, going up to 2% on select categories. Rewards are earned as Kotak Rewards. New cardholders also get a welcome bonus of ₹250 voucher.

Question 3

Does Kotak Silk Inspire Credit Card have airport lounge access?

Accepted Answer

No, Kotak Silk Inspire Credit Card does not include complimentary airport lounge access.

Question 4

What is the forex markup on Kotak Silk Inspire Credit Card?

Accepted Answer

Kotak Silk Inspire Credit Card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup (effective rate: 4.13%). For international spends, consider zero-forex alternatives like Scapia or IDFC First Wealth.

Question 5

Kotak Silk Inspire Credit Card vs Titan SBI Credit Card — which is better?

Accepted Answer

Kotak Silk Inspire Credit Card (CardTrail Score: 5.9/10) and Titan SBI Credit Card (Score: 8.8/10) are both lifestyle cards. Kotak Silk Inspire Credit Card by Kotak has a ₹499 fee with 0.5% base rewards, while Titan SBI Credit Card by SBI has a ₹2,999 fee with 1.5% base rewards. Use our comparison tool for a detailed side-by-side analysis.

Kotak Silk Inspire Credit Card

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