Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Kotak Bank Delight Platinum Credit Card

    The Kotak Bank Delight Platinum credit card offers you a wide range of premium benefits which include discounts, exclusive deals, and fee waivers. It also gives you cashback and discount offers on your travel bookings and dining. The credit card comes with a joining fee of Rs.1,999 and an annual fee of only Rs.250. The interest charged on the card is 3.40% per month.
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    Fee Details

    Key Highlights Of The Kotak Delight Platinum Credit Card

    The Kotak Delight Platinum Credit Card's primary highlight is the set of benefits that it offers on lifestyle categories like dining, travel, fuel, etc.

    Lifestyle benefits on the Kotak Delight Platinum Credit Card

    • 2 BookMyShow vouchers on the 1st swipe of the card.
    • You get cashback of 10% on dining.
    • You also get cashback of 10% on movies.

    Features And Benefits Of The Kotak Delight Platinum Credit Card

    Cashback on dining:

    • Just spend a minimum of Rs.10,000 using the card on categories other than entertainment and dining and avail 10% cashback on dining every month.
    • The maximum cashback per billing cycle is Rs.600 including both entertainment and dining transactions.
    • Dining and movie transactions of up to Rs.4000 are eligible for cashback.
    • Cashback on dining can only be availed at restaurants which are recognized under the 'Restaurant' Merchant Category Code (MCC) by VISA.

    Cashback on Movies:

    • You can avail up to 10% cashback on select movie tickets if the transactions (other than dining and entertainment) made through the card are over Rs.10,000 in a billing cycle.
    • The maximum cashback per billing cycle is Rs.600 including both entertainment and dining transactions.
    • Dining and movie transactions of up to Rs.4000 are eligible for cash-back.
    • Cashback on dining can only be availed at establishments which are recognized under the 'Entertainment' Merchant Category Code (MCC) by VISA.

    Fuel surcharge waiver: The credit card provides fuel benefits by waiving the surcharge waiver of up to Rs.4,500 every year. The waiver is valid for card transactions within the range of Rs.400 and Rs.4,000.

    Railway surcharge:

    • A surcharge waiver of up to Rs.500 per year can be availed on transactions related to railway ticket bookings.
    • 2.5% for transactions on Indian Railways booking counters and 1.8% railway surcharge waiver for transactions on the Indian Railways website.

    Total card protection: Delight Shield offers an insurance cover of up to Rs.1.25 lakh for misplacement or theft of the card. You need to report the loss of the card within 7 days to avail this benefit.

    Add-on cards: Add-on cards carry all the benefits of the Delight Platinum Credit Card. You can adjust the spending limit as per your needs.

    Milestone rewards:

    • If total value of all the card transactions exceed Rs.1.25 lakh every six months, you can either opt to receive Rs.750 cashback or 4 complimentary PVR tickets.
    • You can avail up to Rs.1,500 cashback or 8 complimentary PVR tickets per year.
    • The complimentary PVR tickets can be availed within 3 months of the end of the program.

    Kotak Delight Platinum Credit Card Fees And Charges

    Type of charges Size of Charges
    Joining fee Rs.1,999
    Annual fee Rs.299
    Interest on pending dues on the card 3.40%
    Card-related transaction/ transfer of funds/Cash withdrawal per Rs.10,000 Rs.300
    Fees for add-on card Rs.299/each card
    Minimum Amount Due (MAD) 5% or 10% (depends on the total amount due)
    Charges for payments after the due date
    • for
    • for Rs.500.01-Rs.10,000 = Rs.500
    • for >Rs.10,000 = Rs.700
    Charges for Over-limit Rs.500
    Penalty for Cheque Bounce Rs.500
    Fees related to cash payments at the bank Rs.100
    Foreign Currency mark-up charges 3.5%
    Charges for reissuing of the card Rs.100
    Providing a CIBIL report >Rs.50

    Eligibility Criteria for the Kotak Delight Platinum Credit Card

    You are eligible for the Delight Platinum Credit Card if you meet the following conditions:

    • You are an Indian Resident.
    • Your current age is in between 21 years and 60 years. The minimum age of the supplementary cardholder is 18 years.
    • The Delight Platinum Credit Card is exclusively available only in Kolkata, Ahmedabad, Pune, Mumbai, Bangalore, Chennai, Navi Mumbai, Chandigarh, Hyderabad, and Delhi (including Noida and Gurgaon).

    Documents needed to apply for the Kotak Delight Platinum Credit Card

    • You would be asked for documents like ID proof, KYC-PAN, address proof, photograph, salary slip or your other bank credit statement, etc.
    • Any other documents needed apart from the one mentioned here would be informed to you at the time of application.

    FAQs On the Kotak Delight Platinum Credit Card

    1. Who should apply for the Kotak Delight Platinum Card?
    2. The Kotak Delight Platinum Card has been explicitly targeted at the high income or high net worth people, keeping in mind their lifestyle requirements and the significant perks so that they can get the best out of it.

    3. Does the Kotak Delight Platinum Credit Card offer an interest-free period for big purchases?
    4. Certainly. You get an interest-free period of up to 48 days on every retail transaction.

    5. What's the customer care contact number of the Kotak Mahindra Bank?
    6. For your credit card related queries, call Kotak Mahindra Bank customer care at 1860-266-2666.

    7. What happens after my claim is approved by the insurance company?
    8. Once your insurance claim is accepted by the insurance firm, the disputed transaction sum would be credited to your card account.

    9. Does the Kotak Delight Platinum Credit Card offer a rewards program?
    10. There is no rewards program on the Delight Platinum Card as of now.

      

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