Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    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 Paperless approval available
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    Fee Details
    Kotak Bank Delight Platinum Credit Card is Rated as "Excellent!" by 2 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Kotak Bank Delight Platinum Credit Card

    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:

    FeesTotal SumTerms & Conditions
    Joining feeINR 1999Applicable in the 1st Year and charged one time at the start of the year.
    Yearly membership feeINR 299Applicable from the 2nd Year onwards and charged at the start of the year.

    Charges:

    ChargesLate 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 ChargeINR 500
    Cheque Bounce FineINR 500
    Interest Charges3.40 percent
    For Cash Payment at Area OfficeINR 75
    For Card ReplacementINR 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 to hold and use"
      0.5 3.0/5 "Satisfactory"
      First Kotak offer me movie card and I have replaced it with Fortune Gold Card. Using it for more than 1 year. I cannot view the reward points on the mobile application. It is life time free card. As they promised, increased the credit limit after 6months which was satisfactory now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "Very good experience"
      0.5 4.0/5 "Great!"
      The deals on the Kotak Mahindra bank credit card are always good and the services are always to my satisfaction and there has been no issues. The credit limit is good and the bank has a lot of deals online and there are features of EMI which is very much flexible.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra credit card from last 4 to 5 months, Kotak Mahindra provides one of the best services on credit card. There was no annual fee charged at the time of getting this card. I also get good offfers like cash back and reward points. The credit limit is comparatively good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "Best banking "
      0.5 5.0/5 "Blown Away!"
      I hold kotak credit card with a good limit of one lakh they had recently upgraded my card,get many offers on the card for shopping online as well as offline.Its a zero fees card. Its a Best card to hold with.Its a privilege holding kotak card for my transaction.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      I would never want to recommend Kotak Mahindra bank for a credit card. It has been a very poor experience with them. They have charged me a late payment fee, for which I paid and this month again I receive a late fee charge in my bill. The credit limit is low. Likewise they instruct the customer where they should or should not use the credit card, when it has to be the customers choice.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      The experience for a credit card is not satisfactory with Kotak Mahindra bank. There are very high charges and the customer services are not up to the mark. It has always been a poor service from this back and they need to improve overall when compared to the other banks.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      My credit card is with KOTAK taken 6 months back. The credit limit was 15,000 and the charges are average here. I hold the visa International card. I have 24/7 helpline number also.. I get rewards point and cash back offers as benefits but I have not used them .The credit card process was very fast and easy. The interest rate is also good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      From the last six months of time, I am using Kotak mahindra bank credit card and the response is good one with them, also the customer service is also an excellent one. Online payment services are feasible one for me,.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 17, 2017
    • Kotak Credit Card
      "good service"
      0.5 4.0/5 "Great!"
      I have a KOTAK MAHINDRA credit card I use to get offers from KOTAK MAHINDRA the service is very nice very good customer service and the credit application was very user friendly and easy to use ,I will say the service of KOTAK is very good for my credit card service.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 16, 2017
    • Kotak Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      I use the Kotak mahindra card for shopping, restaurants, utility bills, fuel and for mobile bills. I use the Kotak mahindra bank Urbane credit card for more than 4 years. I am not satisfied with the credit limit, still they need to increase the credit limit.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 16, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have the Kotak mahindra Aqua credit card for past 7 to 8years. The customer support is average with Kotak mahindra credit card department. I am satisfied with the credit limit. I use this card for shopping , purchasing, fuel charges, ticket booking and for other usages.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • Kotak Credit Card
      "Satisfactory services"
      0.5 5.0/5 "Blown Away!"
      There are good deals on the credit card with Kotak Mahindra Bank. It is a nice experience as the offers are useful to me. There are no hassles while using the card and there are no charges as well. The limit is to my expectation and the card is accessible every where.
      Was this review helpful? 0
      , rohtak
      Reviewed on Oct 16, 2017
    • Kotak Credit Card
      "Customer support not reachable"
      0.5 3.0/5 "Satisfactory"
      I bank with Kotak Mahindra bank for a credit card as well. The major drawback in this account is the customer support team is not reachable. I am not able to clarify my queries and it is not convenient. the offers are okay and the limit is also good.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • Kotak Credit Card
      "Application takes long"
      0.5 3.0/5 "Satisfactory"
      The procedure for applying Credit Card in this bank is very lazy to say the least. I submitted the documents twice, and in both the cases I received almost no reply at all. I got a call from them stating that I would get a verification call, which hasn't reached me yet.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • Kotak Credit Card
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      I had a bad experience for the credit card with Kotak Mahindra bank too. The net banking shows that I have reward points but when I contacted the customer care they were not helpful for me to redeem it. The customer services and response is not satisfactory.
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 15, 2017
    • Kotak Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      I am happy that Kotak Mahindra Bank has offered me a credit card after the disbursement of my loan. Though I have not explored on the card much, I appreciate the fact that the bank offered me the card which I have not seen with any other bank. Good overall.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 14, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the Kotak mahindra Royale Signature credit card for more than 4 years. I use this card for shopping and for other bill payments. I am satisfied with the credit limit and there is no annual fee with this card. I would say it is a very good card to use.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 14, 2017
    • Kotak Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      I have got a credit card from KOTAK MAHINDRA BANK as I have a salary account with them for the past 2 years. It is a Visa Gold credit card. I use this credit card for movies, online recharges, shopping etc. There is no annual fees for this credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 14, 2017
    • Kotak Credit Card
      "Good for all"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra giving points for air tickets, I am using Royale signature credit card it has an annual fee around Rs.499. They giving some shopping voucher for that annual fee. Credit limit is very excellent in Kotak Mahindra even offers is good.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Oct 14, 2017
    • Kotak Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra bank has offered me a credit card as well. As long as I used the card there are no major hassles. But the credit limit is pretty low when compared to the other banks. I got a credit limit of 30K. There are no charges. I am comfortable with my billing cycle.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 14, 2017
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