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    Kotak Bank Delight Platinum Credit Card

    We found 1 Kotak Bank Delight Platinum Credit Card

    Card
    1st Year Fee
    Rewards
    Joining Perks
    1999
    Response Time Within 30 minutes
    Rs.750 Amazon voucher free
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    Kotak Bank Delight Platinum Credit Card is Rated as "Pretty good" by 1 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    With high amount discounts and cash-back offers with nominal fee, what is not to be delighted by the Delight Card? If you are frequent diner at high-end restaurants and is all for living the life of ‘gourmet’s fantasy’, this card could be your best buddy.

    Features & Benefits:

    10 percent rebate when you dine out:
    • If your bill amounts to more than INR 10,000 on categories barring dining and entertainment within the billing cycle, you can get 10 percent of the bill back to your account every month.
    • This feature can be accessed easily anywhere cafes, bistros, pizza places, pubs and restaurants throughout the year.
    • You will get a maximum rebate of INR 600 that includes both entertainment and dining transactions in the consolidated bills in a month.
    • Dining & Film ticket fare transactions up to INR 4000 are entitled for this money-back offer, which will be credited in the subsequent month.
    • Money-back is granted on bill transactions undertaken at only those Merchant Establishments that are categorized under the “Restaurant” Merchant Category Code (MCC) as specified by VISA.
    10 percent rebate on movie tickets:
    • If your bill amounts to more than INR 10,000 on categories barring dining and entertainment within the billing cycle, you can get 10 percent of the bill on film tickets credited back to your account every month.
    • This feature can be accessed easily anywhere, anytime applicable for movie tickets as well as theater shows throughout the year.
    • Cardholders will get a maximum rebate of INR 600 for entertainment and dining bill transactions in the consolidated bills in a month.
    • If your Dining & Movie Ticket Bill Transactions per month cross INR 4000, then you are entitled for this money-back perk, which will be credited in your Delight Card account in the following month.
    • You can avail this feature only on card transactions undertaken at only those Merchant Establishments that are categorized under the “Entertainment” Merchant Category Code (MCC) as specified by VISA.
    Additional Fuel Charge Waived Off:
    • You can enjoy 2.5 % Fuel Surcharge waiver across every fuel station in the country, which can be applied to all transactions between INR 400 and INR 4000.
    • You cannot avail fuel surcharge waiver of more than INR 4500 a year.
    Railway Additional Charges Waived Off:
    • Enjoy 1.8% railway extra charge waiver if you book on www.irctc.co.in and 2.5% if you book your tickets from Indian Railways Booking Counters using your Delight Card. This rebate cannot be more than INR 500 in a year.
    Milestone Feature:
    • Spending 125,000 every 6 months can fetch you 4 PVR tickets for free. You can get up to 8 PVR tickets in a year, which can be redeemed in 3 months post program period.
    Delight Shield:
    • In the event of loss or theft of your Kotak Delight Card, you can claim a cover of INR 75,000 against false usage up to one week pre-reporting. It is essential that you report to Kotak customer care and block your card right away if this happens.
    Supplementary Card:
    • Your Supplementary Card comes with all the perks that you avail on your Delight Card.
    • Set the spend limit on your Add-on Card as you desire and you can easily track your expenditures for each card you have taken.

    Eligibility & Documentation:

    • The Primary Cardholder must be an Indian citizen, of age 21 and not older than 65. You cannot give a Supplementary Card to a minor.

    Fees:

    Fees Total Sum Terms & Conditions
    Joining fee INR 1999 Applicable in the 1st Year and charged one time at the start of the year.
    Yearly membership fee INR 299 Applicable from the 2nd Year onwards and charged at the start of the year.

    Charges:

    Charges Late Payment Charges

    INR 100 for INR 100 – INR 500 due

    INR 500 for INR 501 – INR 10000 due

    INR 700 for INR 10001+

    Over limit Charge INR 500
    Cheque Bounce Fine INR 500
    Interest Charges 3.40 percent
    For Cash Payment at Area Office INR 75
    For Card Replacement INR 100

    How to Apply through BankBazaar?

    On BankBazaar’s homepage, select the credit cards categorized bank by bank. You can enter your details and this site will present you with a list of credit cards most suitable for you. You can choose Kotak Delight Credit Card under Kotak Mahindra Bank. You can check your eligibility and also view other information about the card.

    To apply, click on “Apply Now” and fill in required info. You will receive an instant e-approval via email and you will also be able to track the application status of your card.

    Kotak Delight Platinum Credit Card FAQs:

    1. Whom has the Kotak Delight Platinum Card been made for?

      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.

    2. Does this card offer an interest free period for big purchases?

      Certainly. You get an interest free period of up to 48 days on every retail transaction.

    3. How do you estimate interest on cash?

      Interest charges = (Number of days for which a due amount is held) * (Sum) * (Daily Interest Rate)

      Daily Interest Rate = (Interest Rate per Month) * 12/365

      Daily Interest Rate = (3.4%) * 12/365 = 0.1118%

    4. What happens after my claim is approved by the Insurance Company?

      Once your insurance claim is accepted by the Insurance Firm, the disputed transaction sum would be credited to your card account.

    5. Do Delight Card offer a rewards program?

      There is no rewards program on the Delight Platinum Card as of now.

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  • Kotak Bank Delight Platinum Credit Card Reviews

    • Kotak Credit Card
      "Good features"
      0.5 4.5/5 "Excellent!"
      There are nominal charges taken on the credit card but the offers are good at Kotak Mahindra bank. The limit the bank has offered is good enough and the customer services are good as well because they are helpful when I contact them and the bills are on time.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 23, 2017
    • Kotak Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      I bank with Kotak Mahindra bank for a credit card as well and they are equally good on this product. There are offers provided from time to time and there are no charges taken for my card. The customer services and response has also been good and in all no issues faced.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • Kotak Credit Card
      "Convenient credit card"
      0.5 5.0/5 "Blown Away!"
      Kotak service is very good, their customer service is giving very good response. I am not using my credit card frequently but whenever I use my credit card it gives a wonderful experience. Kotak credit card bills are very clear and transparent, they give proper details about the transaction.
      Was this review helpful? 1
      , mangalore
      Reviewed on May 19, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra League Platinum credit card for about past 2 years. I got benefits like reward points cash back offers and gift vouchers and movie tickets offers and other benefits . The rate of interest is nominal with this card . Overall I am happy using this card.
      Was this review helpful? 0
      , jalandhar
      Reviewed on May 19, 2017
    • Kotak Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      Previously I used Trump credit card of Kotak Mahindra it had low credit limit around Rs.25,000, recently they had given Kotak League credit card with nominal limit. I guess they are providing good reward points or cash back offers. It normally takes about a day's time for the payment to get reflected in the system the payment does not get reflected instantly.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 19, 2017
    • Kotak Credit Card
      "Fabulous"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card of Kotak mahindra bank and there are no annual charges there. Its completely a good credit card when compared with other credit card. Credit limit which is assigned to me on this credit card is around 48000 Rupees. To conclude, I would say I am very much happy with their service,.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • Kotak Credit Card
      "Very Good"
      0.5 4.0/5 "Great!"
      I am having the Kotak Mahindra Bank credit card and am having it from the last 1.5 years of time. The services are excellent with them Credit limit value provided by them is very minimal which is around 36000 Rupees and it is a life time free credit card. Based on the salary account they have offered me personal loan and even credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2017
    • Kotak Credit Card
      "Very good offers and overall good service"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra bank has offered me a life time free credit card. The benefits are good and the credit limit is also good and the bank has excellent customer services. The phone banking is easy to connect too and they are supportive when I reach out to them.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 18, 2017
    • Kotak Credit Card
      "Excellent services"
      0.5 4.5/5 "Excellent!"
      Kotak Mahindra bank has offered me a credit card as well and I am equally happy with this product. There are offers given from time to time and I also have a decent credit limit too. The statements are clear and there are no hassles in banking with them.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 17, 2017
    • Kotak Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra bank has offered me a credit card and though I do not use it much, I am happy with the services I receive and when ever I contact the customer care team, they are helpful in sorting out my clarifications. The bills are clear and overall a good experience.
      Was this review helpful? 0
      , delhi
      Reviewed on May 16, 2017
    • Kotak Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I currently use the credit card with Kotak Mahindra bank and I am happy with it as i get normal benefits. The credit limit is 10000 rupees and they have called me for enhancing the credit limit but I denied overall the transactions done on the card is intimated and the statements are clear and on time to me
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 15, 2017
    • Kotak Credit Card
      "Good card but not usable"
      0.5 2.0/5 "Expected more"
      I got Kotak mahindra kotak league platinum credit card few days back. I am not using this card because, Kotak mahindra has forced me to take this card, while I got the Personal Loan with them. I guess I need to pay the annual fee of Rs.499 which is not required. The service need to be improved. My sincere request to them woul dbe "Do not force the customer to take up any product in future".
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 13, 2017
    • Kotak Credit Card
      "Quick services"
      0.5 4.0/5 "Great!"
      Kotak Mahindra bank has offered me a credit card after I have taken my loan from them. They have offered me a credit limit of 75K and the process of me receiving the card was much before than the date I was promised. I am yet to receive the PIN number.
      Was this review helpful? 1
      , chennai
      Reviewed on May 12, 2017
    • Kotak Credit Card
      "Good beneficial card"
      0.5 5.0/5 "Blown Away!"
      I like overall service of Kotak Mahindra credit card, I have accumulated good rewards points, I have taken this credit card before one year, Kotak have increased my credit limit before I request and there is no annual charges applicable with my credit card. Moreover I am using International credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 11, 2017
    • Kotak Credit Card
      "Not recommendable"
      0.5 3.0/5 "Satisfactory"
      The statements are not clear at all with Kotak Mahindra bank for the credit card. I have a EMI on my card and instead of paying from my savings account, I pay the EMI by cash. But the bank keeps charging me Rs. 500 for the same. Like wise they keep calling me continuously informing me about a outstanding and I keep telling them to send an executive to collect the payment. Till date no one has come and I am unable to make it to the bank as I have just been out from hospital.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 09, 2017
    • Kotak Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      One of the best credit cards I prefer is the one from Kotak Mahindra bank. Only because they provide me with the best of deals as promised. The credit limit is also good and the statements are crystal clear. I also receive calls often giving me details of the on going offers.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on May 08, 2017
    • Kotak Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I hold a credit card with Kotak Mahindra bank and the bank has been giving me a lot of benefits on the card. There are EMI features and there are loan facilities as well. There are cash back offers and also points which can be redeemed easily. Overall good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 06, 2017
    • Kotak Credit Card
      "The best bank"
      0.5 5.0/5 "Blown Away!"
      The benefit that I receive on my credit card is really great where the offers are very much useful to me. I recently received a call from Kotak mahindra bank informing me that I am eligible for a loan on card, likewise I get other benefits like cash back and reward points as well on this card.
      Was this review helpful? 0
      , chandigarh
      Reviewed on May 03, 2017
    • Kotak Credit Card
      "Good Bank"
      0.5 5.0/5 "Blown Away!"
      Based on the relationship that I maintain with KOTAK Bank they had offered me a credit card. They processed my application properly and the card was disbursed on time. There was no issue with the said bank for my credit card. Also I am much comfortable in using this kotak credit card. Initially they had captured my details incorrectly on the card, but later they rectified it, so it would be better if they are careful while capturing the customer details.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 03, 2017
    • Kotak Credit Card
      "Improve the offers"
      0.5 2.0/5 "Expected more"
      I am a salary holder of Kotak Mahindra but still they offered lower credit limit of Rs.15,000. They are not good in system updates, My due date falls on 5th of every month, but they start calling to the customers from 25th onwards, Its really bad to give reminder calls everyday.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 02, 2017
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