Comprehensive medication guide to Silka Cream including estimated pricing, availability information, side effects, and how to find it in stock at your local pharmacy.
Estimated Insurance Pricing
As an OTC product, Silka Cream is generally not covered by commercial insurance. FSA and HSA purchases are eligible. Medicaid patients may obtain coverage with a prescription for terbinafine 1% cream through pharmacy benefit.
Estimated Cash Pricing
$10.50–$14.94 for a 1 oz tube at Walmart; $13–$17 at CVS and Walgreens. Store-brand generic terbinafine 1% cream is available for $7–$10. FSA and HSA eligible.
Medfinder Findability Score
85/100
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Silka Antifungal Cream is an over-the-counter topical medication used to treat common fungal skin infections. It contains
terbinafine hydrochloride 1% as its active ingredient — the same active ingredient found in Lamisil AT. It is distributed by Genomma Lab USA, Inc. and is available without a prescription at major retailers including Walmart, CVS, Walgreens, and Amazon.
Silka is labeled for use in adults and children 12 years and older. It comes in a 1 oz (30g) tube and is FSA and HSA eligible.
Silka Cream is indicated for three conditions: athlete's foot (tinea pedis), jock itch (tinea cruris), and ringworm (tinea corporis). It is not intended for nail fungus, scalp infections, or vaginal yeast infections.
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Silka Cream works by inhibiting an enzyme called
squalene epoxidase, which fungi need to synthesize ergosterol — a critical component of fungal cell membranes. Unlike human cells, which use cholesterol in their membranes, fungal cells depend on ergosterol. By blocking this production pathway, terbinafine disrupts and destroys fungal cell membranes.
This mechanism is fungicidal — it actively kills the fungus rather than merely slowing its growth (as fungistatic agents like clotrimazole do). The accumulation of squalene to toxic levels inside the fungal cell contributes to its death. This dual action is why Silka can clear most infections in just 1–2 weeks, compared to 2–4 weeks for older OTC antifungals.
Terbinafine is particularly active against dermatophytes — the class of fungi responsible for athlete's foot, jock itch, and ringworm. It is less effective against Candida yeasts.
1% (terbinafine HCl 1g per 100g) — cream
1 oz (30g) tube; apply thin layer to affected area
1% (terbinafine HCl) — liquid/solution
Topical liquid form; also available in spray
1% (terbinafine HCl) — powder
Powder form available for foot odor and prevention
Silka Cream is not in a national shortage in 2026 and is not listed in the FDA Drug Shortages Database. It receives a findability score of 85 out of 100, meaning it is generally well-stocked at major national retailers but may be absent from smaller or regional pharmacies.
The product is most reliably available at Walmart, CVS, Walgreens, and Amazon. Occasional local stockouts occur during summer demand spikes (athlete's foot season) or in areas not served by these major chains. Patients who can't find Silka brand specifically can substitute any terbinafine hydrochloride 1% cream, which is therapeutically identical.
If you're struggling to find Silka in stock locally, medfinder can call pharmacies near you and text back which ones have it available — saving you time and unnecessary trips.
Silka Cream is an over-the-counter (OTC) product — no prescription is required. Any adult or child 12 years of age or older can purchase it directly without seeing a healthcare provider. It is not a scheduled or controlled substance and has no DEA restrictions.
However, a prescription may be beneficial in certain cases — for example, to access insurance coverage for Medicaid patients or for patients under 12. The following types of providers can prescribe terbinafine cream when clinically appropriate:
Telehealth providers can also evaluate fungal skin infections virtually and prescribe terbinafine cream or oral antifungals when appropriate. Platforms such as Teladoc, MDLive, and Amazon Clinic commonly handle athlete's foot, jock itch, and ringworm consultations via photo-based visits.
No. Silka Antifungal Cream is not a controlled substance and is not scheduled by the DEA. It is an over-the-counter product that requires no prescription, has no refill restrictions, and is not subject to any quantity limits or special monitoring requirements.
Any adult or child 12 years or older may purchase Silka Cream without a prescription at any retailer that carries it. There are no identification requirements or purchase quantity limits associated with this product.
Topical terbinafine is generally very well tolerated. Most people complete a full treatment course without significant side effects. Reported localized skin reactions include:
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Lamisil AT
Same active ingredient (terbinafine 1%); different brand (Novartis/HRA Pharma); slightly higher price at $14–$18; more widely distributed
Lotrimin Ultra (butenafine 1%)
Fungicidal allylamine antifungal; 1-week treatment for between-toes athlete's foot; gentler on sensitive skin than terbinafine sprays
Lotrimin AF (clotrimazole 1%)
Fungistatic azole antifungal; 2–4 week treatment; preferred for sensitive skin areas and Candida; widely available
Tinactin (tolnaftate 1%)
Classic antifungal; 4-week treatment; good for prevention of recurrence; available in cream, spray, and powder
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Other topical skin medications
minorAvoid applying other lotions or creams to the same area unless directed by a doctor; may reduce Silka's effectiveness
Topical corticosteroids (e.g., hydrocortisone)
moderateUsing corticosteroids on the same infected area may suppress local immunity and worsen the fungal infection; consult a doctor before combining
Occlusive dressings
minorBandaging or wrapping the treated area tightly can increase absorption and risk of local side effects; use loose breathable coverings
Silka Antifungal Cream is a fast-acting, affordable, and widely available OTC treatment for athlete's foot, jock itch, and ringworm. Its active ingredient — terbinafine hydrochloride 1% — is fungicidal, meaning it kills the fungus rather than just slowing it down. This is why it clears most infections in just 1–2 weeks, outperforming older antifungals that require 2–4 weeks of treatment.
No prescription is required. It is FSA and HSA eligible. If your local pharmacy doesn't carry the Silka brand, any store-brand terbinafine 1% cream works identically. For patients with nail fungus, scalp infections, or infections that don't respond to OTC treatment, prescription-strength options are available from a healthcare provider.
If you're having trouble finding Silka Cream at a pharmacy near you, medfinder can call local pharmacies on your behalf and text you the results — so you can spend less time searching and more time treating your infection.
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Our medication guides are researched and written to help patients make informed decisions. All content is reviewed for accuracy and updated regularly. Learn more about our standards
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