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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
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    Fee Details

    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
      "They should transparent in their service"
      0.5 3.0/5 "Satisfactory"
      Kotak Mahindra always takes some unwanted charges for the credit card and they wont give clear information about the charges. They offered me credit limit of Rs.30,000 its very low. I am using it for one year. So far I haven't get any credit card offers, they should work on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • Kotak Credit Card
      "Average card to use"
      0.5 1.0/5 "Really Bad"
      I got Visa credit card with Kotak Mahindra. I hold this card for past 1 year. I don't get credit points, reward points,cash back offers with this card. I don't use this card even for shopping as well. The rate of interest is high when compared with others. The credit limit can be increased in future. The banking and the customer service need to be improved with Kotak Mahindra bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2017
    • Kotak Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I do have credit card with the Kotak Mahindra bank because it provides more benefits like cash backs while swiping for movie tickets and fuel purchase in outlets. As far, I have experienced the response is fine one with the Kotak mahindra bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2017
    • Kotak Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      Kotak mahindra bank credit card is good one and am using it from the last four years of time. Credit limit value is good one with them, also I have not faced any issues with them, also I used to get the offers like PVR tickets for movies, also they have credit limit up to 1.1 lakh Rupees.
      Was this review helpful? 1
      , thane
      Reviewed on Jun 21, 2017
    • Kotak Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      This is a chargeable credit card with Kotak Mahindra Bank. The bank offered good credit limit and they promised me to increase the limit in another two months of time. I did not have any problem with the bank. I am quite happy with the bank especially when it comes to credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 20, 2017
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The line of credit on my KOTAK credit card is satisfactory, but the bankers have called to enhance the limit, I don't require much. Services are very good with them and the response too. I am having this credit card from the last two year of time, also I have not found any drawback with them till date.
      Was this review helpful? 0
      , surat
      Reviewed on Jun 19, 2017
    • Kotak Credit Card
      "Better "
      0.5 3.5/5 "Pretty good"
      I have very less credit limit with the Kotak mahindra bank credit card and I got it when I have started my career. Service aspects and other aspects are nominal one. I am using this credit card from the last three years of time. Payment option and other things are good one.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 17, 2017
    • Kotak Credit Card
      "Better "
      0.5 3.0/5 "Satisfactory"
      I do hvae credit card with the Kotak mahindra bank and the cooling period is around a month of time to make the premium. I have got the PVR credit card and I used to get the movie ticket as two for every month. Credit limit value is around 35000 Rupees.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • Kotak Credit Card
      "Not Responsive"
      0.5 1.0/5 "Really Bad"
      I am not at all happy with Kotak Mahindra Bank in terms of credit card. Even I hold savings account with the same bank, that is also not satisfactory. The annual fee is 500 rupees but there is no reward points and cash back offers on my card. Actually I was not in a need of credit card but the bankers forced me to get the card. Recently I faced some problem with the bank, due to which my credit card been blocked.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • Kotak Credit Card
      "Good to Hold"
      0.5 4.0/5 "Great!"
      Kotak Mahindra credit card service is good but If I have any queries that I am unable to reach their customer care on time, IVR system is very bad. One good thing is they have six digit of pin no, its more secured to do transaction. They have two day of grace time, they accept the payment after two days of due date without any charges. Based on transaction, they are upgrading the credit limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • Kotak Credit Card
      "Hassle free"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra bank has been top on the credit card services. Till date I have no issues and the credit limit is also up to my satisfaction. The banking services has been good as I can make my payments online. There are offers always on my card and the card is accepted all over.
      Was this review helpful? 1
      , chennai
      Reviewed on Jun 16, 2017
    • Kotak Credit Card
      "Need improvement in services"
      0.5 4.0/5 "Great!"
      After banking for many years at Kotak Mahindra bank. Only now they have offered me a credit card with a credit limit of 29K. I have just paid my first bill. The bank has not been up to the mark in the customer services though I am a corporate customer.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 14, 2017
    • Kotak Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I am getting the statements with Kotak mahindra Visa credit card. But Its hard to reach the customer service with Kotak mahindra customer support. I got this card around 2 years. It would be great if the customer service is improvised with Kotak mahindra. I would say the service with this Kotak is average.
      Was this review helpful? 0
      , vadodara
      Reviewed on Jun 14, 2017
    • Kotak Credit Card
      "Till date no hassles"
      0.5 4.0/5 "Great!"
      Kotak Mahindra bank has also offered me a credit card and they have given me a decent credit limit. The services are good and when I approach them with a clarification, I get a proper response. The online banking is clear with the transactions I do, so it is easy to identify my details.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2017
    • Kotak Credit Card
      "Average card to use"
      0.5 3.5/5 "Pretty good"
      For last 6 months I am using Kotak Mahindra PVR platinum credit card. I will use this card for Online and offline shopping,bill payments and for other usages. This card is for normal use. The notifications, I am getting with kotak sometimes does delay. I am not satisfied with the credit limit, still they can increase the credit limit. I would say, It is an average card to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2017
    • Kotak Credit Card
      "DISSATISFIED"
      0.5 2.0/5 "Expected more"
      I would never want to recommend Kotak Mahindra bank for a credit card. It has been a very poor experience with them. They are not up to the mark, . The credit limit is very low they have just give 15000 rupees and the normal in a month you have a billing of 3 to 4k and I am holding this card for for more than 4 years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2017
    • Kotak Credit Card
      "Convenient to use"
      0.5 4.0/5 "Great!"
      I am happy with Kotak Mahindra Bank in terms of my credit card. The credit limit assigned by the bank is pretty good and it is enough according to my usage. But there are no reward points and cash back offers on my card. It would be really great, if they provide enough reward points too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 10, 2017
    • Kotak Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      I bank with Kotak Mahindra Bank for a credit card and the services has been good till date. There has good offers given to me on a regular basis and it is a life time free card. The statements are clear and I have no issues in using my card online and offline.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 10, 2017
    • Kotak Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card as well at Kotak Mahindra bank and I do not have to pay any kind of charges. The transactions are smooth on the card and I also get SMS alerts about the same on time. The offers are good and the card has flexible EMI options. Overall no hassles.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 10, 2017
    • Kotak Credit Card
      "Very much convenient"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra credit card, I am getting the free movie tickets like buy one, get one. I will be getting good rewards for all transaction, they gave me life time free credit card. Whenever I do any transaction, I check it through Kotak Netbanking.
      Was this review helpful? 2
      , mumbai
      Reviewed on Jun 08, 2017
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