Silk Bank Credit Card – How to Apply?

This holiday season, do you prefer a credit card that gives you cash back rewards? Are you interested in a credit card that offers 0% markup on balance transfers? If you are, a Silk Bank Credit Card is what you’ll need.


A Silk Bank Credit Card is your best bet when it comes to an innovative credit card that offers you excellent rewards and deals. To know more about how you can apply for this credit card, read on.

Silk Bank Credit Card Features and Benefits

Silk Bank provides a wide range of credit cards equipped to keep up with the type of lifestyle you lead. One of their main offerings includes the Silk Bank Gold Credit Card (available in Visa) which gives you unlimited access to tons of privileges. Powered by Visa, it gives you worldwide acceptance when you shop at thousands of outlets in Pakistan and over 28 million Visa locations around the globe.


Another advantage you’re sure to enjoy is their cash back guarantee. Through this feature, you can earn up to 1% cash back on every retail transaction on your card. So, shop both locally and abroad with this card in hand!

Even better, you will be given a 0% markup on balance transfers for a whole year! Silk Bank gives you a one-time opportunity to transfer your current credit card balance to your Silk Bank credit card! This is a great way to reduce your credit from other high-interest bearing cards. Who knows, this might just be your chance to start your way to financial freedom.


Looking for a credit card that gives cash back rewards, offers 0% markup on balance transfers and provides excellent rewards? Silk Bank Credit Card is for you. Here's how to apply:

Applying for a Silk Bank Credit Card

Ordering your Silk Bank Credit Card is easy. Simply fill out the online application form found on the Silk Bank’s website.

To be eligible, you should be between the ages of 21 to 60 years old with a minimum monthly income of Rs 40,000. For self-employed individuals, you need to be between the ages of 23-65 years old with a minimum salary of Rs 150,000 per month. Some of the documents and data you need to provide include your latest salary slip, CNIC, employment details, and other similar information.

Should your application be approved, you will be given a credit limit based on your credit score. This can start at Rs 50,000 depending on your credit standing.

Silk Bank Credit Card Fees and Charges

To enjoy your benefits, you will need to stay on top of your dues on a regular basis. This includes the annual fee of Rs 4,000. A supplementary card will cost you Rs 1,000.

Other charges you need to remember to include the retail APR of 39.99%, the cash advance APR of 41.99%, the cash advance charge of 3% of Rs 1,000 (whichever is higher), a late payment fee of Rs 2,000, and an over limit fee of Rs 2,000. There is also a chip maintenance fee of Rs 1,250.


Overall, a Silk Bank Credit Card is your perfect choice during this holiday season. Aside from giving you cash back rewards, it also affords you some of the lowest interest rates on the market. Get yours now!