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  • Kotak Bank Delight Platinum Credit Card

    Apply for the Kotak Mahindra Delight Platinum Credit Card online and get exciting offers on entertainment and restaurant expenses. Get the benefit of cashbacks and various other deals as well with the platinum card.
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    The Kotak Delight Platinum Credit Card is packed with premium benefits for the cardholders. It acts as a key to access a wide range of discounts, exclusive deals, and waivers. It enables you to avail cashback and rewards with respect to dining out and travel.

    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.250 (if applied on BankBazaar), otherwise it's 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

    Rs.100

    Rs.500.01-Rs.10,000

    Rs.500

    > 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.

    How to Apply for the Kotak Delight Platinum Credit Card online?

    By visiting Kotak Mahindra Bank official website, you can apply for the Delight Platinum Credit Card.

    However, if you apply on BankBazaar, you enjoy certain special benefits that include fast and paperless processing and approval, Amazon vouchers, etc.

    Apply for the Delight Platinum Credit Card on BankBazaar through the following steps.

    • On the Kotak Delight Platinum Credit Card on BankBazaar, click on 'Check Eligibility'.
    • When you are asked to furnish your details on the next page, do so followed by clicking 'Submit'.
    • Next, upload the correct bunch of documents that you are asked for followed by clicking 'Submit'.
    • Finally, you get an application ID which would let you track your application by clicking on '?Track Application?'.

    FAQs On the Kotak Delight Platinum Credit Card

    • Who should apply for the Kotak Delight Platinum Card?

    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.

    • Does the Kotak Delight Platinum Credit 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.

    • What's the customer care contact number of the Kotak Mahindra Bank?

    For your credit card related queries, call Kotak Mahindra Bank customer care at 1860-266-2666.

    • 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.

    • Does the Kotak Delight Platinum Credit Card offer a rewards program?

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

    Also Know About Other Credit Cards Offered By Kotak Bank

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Kotak Bank Delight Platinum Credit Card Reviews

    • Kotak Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting the KOTAK DELIGHT CREDIT CARD has been pretty smooth & it was easy, the card also had delivered to me on the right time. I am very much happy with the credit limit with this card and it is a life time free card as well and i have started using the card.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 09, 2019
    • Kotak Credit Card
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      I also bank with Kotak Mahindra for a Delight credit card. It has the similar offers as the Urbane card and the credit limit is fine. The services are satisfactory and I got the card on time. The statements are always timely and sent to me on time as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 03, 2019
    • Kotak Credit Card
      "Yet to experience the card"
      0.5 5.0/5 "Blown Away!"
      Still i have not activated the card due to the personal reason. They have given me a credit limit of Rs. 75K but i was expecting around 1.5 lakhs hence i'm not happy about it. There is a annual fee of Rs. 2499. I'm not sure about the offers provided by this card. Since this card has its own brand value hence i have chosen the card. They have delivered the card on time and the documentation process was easy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 29, 2019
    • Kotak Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      Actually my friend has recommended me about this credit card. They have offered me a credit limit of Rs. 37000 and I'm not happy about it. There is some annual fee of Rs. 500 and it will get waived off if i use for Rs. 1 lakh. They are sending the offer messages and mails on a regular basis.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 28, 2019
    • Kotak Credit Card
      "Better Card"
      0.5 4.5/5 "Excellent!"
      They have given me a credit limit of Rs. 50K and I'm not happy about it. There is a annual fee of Rs. 599. Since i hold a savings account with kotak mahindra bank hence i have chosen the credit card with them. I have not received any offers so far. As per expected time, they have delivered the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 24, 2019
    • Kotak Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      The process in getting this card has been simple and easy and there has not been any hassle faced during the process. The credit limit with this card has been sufficient and there has not been any annual charges with this card. I am yet to know about the benefits and the features with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 07, 2019
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using the credit card with KOTAK DELIGHT CREDIT CARD and i'm yet to receive the first month bill. They have provided me a credit limit of Rs. 50000 and i don't have any issues with that. I have received the card on time and i am have started using the card 3 months before
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 11, 2018
    • Kotak Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      3 months before, i have bought this KOTAK DELIGHT CREDIT CARD. There are more offers and benefits in this card hence i have selected this card. They have offered me a credit limit of Rs. 1 lakh and i'm happy about it. I have to pay the premium amount of Rs. 1500 and it will waived off if i purchase of Rs. 1 lakhs in a year.
      Was this review helpful? 1
      , jaipur
      Reviewed on Dec 03, 2018
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have applied for KOTAK DELIGHT CREDIT CARD through online channel. They have processed the application and I got the credit card within 8 to 10 days. I have no idea about the offers. The credit limit was okay. They are charging annual fee of 600 rupees. I have submitted to the documents to the executive.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 28, 2018
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Got my kotak delight credit card and started using it . Am satisfied with the credit limit which they offered. As there is annual charge as it gets waived off after using certain limit . There is no additional charges for the transaction which i make. Documentation has been done in time . Customer service and response is good.
      Was this review helpful? 0
      , vadodara
      Reviewed on Oct 03, 2018
    • Kotak Credit Card
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      It is a good experience with Kotak Mahindra Bank. I hold a delight credit card and the rewards are the best on the card. I can convert the same to cash to pay the bill. The credit limit is good and there are charges for the card annually. It will get waived off according to the usage of the card.
      Was this review helpful? 1
      , jaipur
      Reviewed on Aug 03, 2018
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      They have done a welcome call for my credit card. They have given me a credit limit of Rs. 75000. I have purchased this credit card for last 25 days before and i have not even done a single transaction with the card. I never experienced of the customer care service still now. I'm not aware of the benefits of the card as well as the charges.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 29, 2018
    • Kotak Credit Card
      "The Service needs Improvements"
      0.5 5.0/5 "Blown Away!"
      I've been using the KOTAK Delight Credit card for a while.It is also a lifetime free card, they are cutting unwanted charges. The card is good but they need to seriously consider reducing the unwanted charges associated with the card.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jul 28, 2018
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Got my kotak delight credit card and started using it . Am satisfied with the credit limit which they offered. As there is annual charge of Rs 499 and there is additional charges for rs 250 .Reason for choosing this card am getting some cash back offers . There is no additional charges for the transaction which i make.I will use this card for all purpose .
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jul 18, 2018
    • Kotak Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      The process in getting this card has been very smooth and easy and the card has reached on time as well. They had provided me with a credit limit which has been less than i expected. I am yet to use the benefits and features which are available with the card. I had been using the card for shopping and all other purchases.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2018
    • Kotak Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      The process in getting the loan had been very good and the card had reached on time as well. They also had given me with a good credit limit and i had started using the card. But the only issue which i am facing is that for the paying of the bills there has been an issue where i don't have an account with them. Payment methods with the other cards which i have been holding has been easy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 06, 2018
    • Kotak Credit Card
      "Average Card"
      0.5 5.0/5 "Blown Away!"
      I have chosen this Kotak delight credit card mainly for my hotel business as financial . I have been using for last 4 months as there is no additional charges for the transaction which i make. There is no annual charges for the card as its life time free card . Am satisfied with the credit limit which they have offered .Overall am satisfied with my card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 04, 2018
    • Kotak Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      It has been a very good process in getting the card and the card has reached on time. They also had been provided with a very good credit limit as well and there also had been very good benefits and features with the card as well. I have started using the card for shopping and all other purchases as well. There has not been any kind of issues faced with them so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 20, 2018
    • Kotak Credit Card
      "Below average service"
      0.5 1.0/5 "Really Bad"
      The credit limit value is very low with the Kotak mahindra bank Delight credit card and I have got the Kotak mahindra bank Delight credit card within a week time. The credit limit value which I have got is very low with this card and i am not satisfied with it however I have the cards which has one lakh credit limit , so that is the reason I am not satisfied with the kotak mahindra service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 20, 2018
    • Kotak Credit Card
      "Need to use more"
      0.5 5.0/5 "Blown Away!"
      Got my kotak delight credit card and started using it . Am satisfied with the credit limit which they offered. As there is no annual charge as its life time free card . There is no additional charges for the transaction which i make. Documentation has been done in time . Customer service and response is good.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jun 19, 2018
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