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Kotak Silk Inspire Credit Card vs SBM Magnet Credit Card

Joining Fees

₹599

₹0

Editor's Rating

3.6

Key Features

  • Avail 5x  Reward Points on every Rs. 100 spent on Apparels
  • Pay with Reward Points at selected merchant outlets
  • Spend Rs. 1, 25,000 every 6 months and avail 4 free PVR tickets or 1000 reward points
  • Avail 1 reward for every Rs. 200 spent on other categories without any restrictions 
  • FD backed credit card helping to build credit score while earning unlimited magnet coins as rewards
  • Enjoy a lifetime-free credit card with no renewal fees
  • No documents or income verification required. Just a simple application and guaranteed approval
  • Welcome Benefit: Receive 5,000 ZET Coins valued at Rs. 500. These coins can be used to purchase vouchers for popular brands like Amazon, Flipkart, and Swiggy
  • Save smart with up to 7% interest on your FD - all insured by RBI
  • Get 5% Cashback/Rewards on Top Brands like Amazon, Flipkart, Myntra, Domino and more credited as real Cashback that can be directly transferred to your bank account
  • 8% Rewards on Flipkart
  • 20% Rewards on Myntra
  • Up to 15% Rewards on All Major Platforms
  • Enjoy up to 20% savings on Swiggy, Zomato, MakeMyTrip, BookMyShow, and many more
  • 3 Fast-track your approval process
  • RuPay Credit Card- Instantly link to UPI apps
  • Enjoy up to 45 days of interest-free credit - pay later with zero interest
  • 1% Fuel Surcharge Waiver

Editor's Review

Pros

  • 5% savings on apparels
  • Get 1 Reward Point for every Rs.200 spent on other categories
  • Silk Inspired Shield

Cons

  • No Golf Privileges 
  • No Concierge Services 
  • No Airport Lounge access 

Pros

  • FD backed credit card helping to build credit score while earning unlimited magnet coins as rewards
  • Enjoy a lifetime-free credit card with no renewal fees
  • Get 5% Cashback/Rewards on Top Brands like Amazon, Flipkart, Myntra, Domino and more credited as real Cashback that can be directly transferred to your bank account

Cons

  • No travel benefits
  • No golf benefits
  • No complimentary domestic or international airport lounge access


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