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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.

    We found 1 Kotak Bank Delight Platinum Credit Card
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    Kotak Bank Delight Platinum Credit Card is Rated as "Excellent!" by 46 Users

    Fees & Charges

    Promised Interest Rate

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    Credit Card BYTES FROM OUR KITCHEN

    The new line of credit cards are packed with premium benefits to the cardholder. The Kotak Delight Platinum Credit Card acts as a key to access a wide range of discounts, exclusive deals, and waivers. It enables a cardholder to avail cashback and rewards with respect to dining out and travel.

    Features and Benefits of Kotak Delight Platinum Credit Card

    Kotak Delight Platinum Credit Cardholders are eligible to receive cashback on certain transactions:

        • One can avail up to 10% cashback on select movie tickets, if transactions (other than dining and entertainment) made through the card are over Rs.10,000.
        • Cashback is only offered on those outlets which are marked as ‘Entertainment’ Merchant Category Code as per VISA.
        • If the cardholder spends at least Rs.10,000 on transactions excluding dining and entertainment, they will be eligible to receive 10% cashback when they dine at select restaurants.
        • A cardholder can get maximum cashback of Rs.600 for all transactions at the end of every monthly billing cycle. For movie and dining transactions, only up to Rs.4,000 will be eligible for the cashback scheme.
        • Cashback on dining can only be availed at restaurants which are recognized under the ‘Restaurant’ Merchant Category Code (MCC) by VISA.
    • Cardholders can get complimentary movie tickets:
      • In case of card transactions which exceed Rs.1.20 lakh every six months, one can either opt to receive Rs.750 cashback or 4 complimentary PVR tickets.
      • A cardholder can avail up to Rs.1,500 cashback or up to 8 complimentary PVR tickets per year.
      • The complimentary PVR tickets can be availed after completion of 3 months of the program period.
    • Delight Shield offers an insurance cover of up to Rs.1.25 lakh for misplacement or theft of the card. The cardholder needs to report loss of card within 7 days to avail this benefit.
    • Add-on card carries all the benefits of the Delight Platinum Credit Card. One can adjust the spending limit based on their needs.
    • The card comes with surcharge waivers for fuel and railway-related transactions.
      • One can get a fuel-based 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.
      • A surcharge waiver of up to Rs.500 per year can be availed on transactions related to railway ticket bookings.

    Fees and Charges for a Kotak Delight Platinum Credit Card

    The following table lists the fees* attached to the various parameters of the credit card usage:

    Type of charges

    Size of Charges

    Joining Fee

    Rs.1,999

    Annual Fee

    Rs.499

    Waiver on First Year and Second Year Annual Fees

    N/A

    Fees for Add-on Card

    Rs.299/each card

    Interest on pending dues on the card

    3.50%

    Minimum Amount Due (MAD)

    5% or 10% (depends on the total amount due)

    Card-related transaction/ Transfer of funds/Cash advance per Rs.10,000

    Rs.300

    Charges for payments after the due date

    >= Rs.500

    Rs.100

    Rs.500-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%

    Surcharges for Railway-related payments

    1.8% or 2.5%

    Surcharges on Fuel-related transactions

    Applicable

    Processing fee for Outstation Cheque

    Waived

    Charges for reissuing of the card

    Request for Charge Slip

    Surcharges related to ATM usage

    Inquiry of balance at Non-Parent Bank ATM

    Charges for requesting a duplicate statement

    Charges for Web Pay service

    Providing a CIBIL report

    Rs.50

    *The given figures are mentioned to subject to change as per the discretion of the bank. These charges are valid as of 4 September 2018.

    Eligibility Criteria for the Kotak Delight Platinum Credit Card

    • The credit card applicant must be an Indian Resident.
    • The age of cardholder must be between 21 years and 60 years.
    • The age of the supplementary cardholder must be 18 years and above.
    • The Delight Platinum Credit Card is exclusively available only in Kolkata, Ahmedabad, Pune, Mumbai, Bangalore, Chennai, Navi Mumbai, Chandigarh, Hyderabad and Delhi.

    Value Chart Of The Kotak Delight Platinum Credit Card

    The following table highlights the savings* that one could gain on through the credit card:

    Credit Card-related transactions

    Savings during 1st year

    Savings from 2nd year

    Rs.6,000/month – 10% cashback on dining and movies

    Rs.7,200

    Rs.7,200

    Rs.1,25,000 per month-8 PVR tickets

    Rs.2,000

    Rs.2,000

    Rs.2,000 per month-Railway-related surcharge waiver

    Rs.1,200

    Rs.1,200

    Rs.10,000 per month-Fuel Surcharge waiver

    Rs.240

    Rs.240

    Savings during one year

    Rs.12,700

    Rs.12,700

    Joining Fee

    Rs.1,999

    0

    Annual Fee

    0

    Rs.299

    Net Savings minus the fees

    Rs.8,641

    Rs.10,341

    *The given figures are mentioned to subject to change as per the discretion of the bank. These charges are valid as of 4 September 2018.

    How to Apply for a Kotak Delight Platinum Credit Card?

    • Go to the official website of BankBazaar.
    • Select the ‘Credit Card’ option from the ‘Cards’ tab.
    • Click on the ‘Delight Platinum Credit Card’ option from the range of cards available on the site.
    • Calculate the eligibility for the card through the ‘Check Eligibility’ option.

    Follow this by clicking on ‘Apply’ to finish the application for the card.

    FAQs On Kotak Delight Platinum Credit Card:

    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 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
    • Kotak Credit Card
      "Good Card to Use"
      0.5 5.0/5 "Blown Away!"
      I'm going to close this card due to my new card from the other card. I'm having this card for past 1.5 years. They have offered me a credit limit of Rs. 85000. I have done lots of purchase by using this card. I have not even get a single cashback in this card. EMI conversion is available in this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 10, 2018
    • Kotak Credit Card
      "Less Credit Limit"
      0.5 5.0/5 "Blown Away!"
      I have taken this Kotak Delight Credit card for 1 month. Kotak offered me a credit limit of Rs. 50000 which I'm not satisfied about it. The credit limit which they offered me was very less and in that case my expectation was not met. I'm yet to experience the card a lot.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 28, 2018
    • Kotak Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the Kotak Platinum Delight credit card for the past 3 years, their services are fair. There are no commendable offers and rewards associated with the card and it is just like any other ordinary credit card available on the market.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 20, 2018
    • Kotak Credit Card
      "Good Card with Many benefits"
      0.5 5.0/5 "Blown Away!"
      Kotak bank travel services charges will be waived off if we use credit card. Airport launch, Fuel options are available in Kotak Mahindra Bank Credit Card. . Fraud protection policy is there. Zero annual fee so i dont want to a single penny. It has bookmy show offers are there to book my tickets.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 11, 2018
    • Kotak Credit Card
      "AVERAGE CARD"
      0.5 5.0/5 "Blown Away!"
      Started using Kotak delight credit card , as there is annual charges, and even am not satisfied with credit limit. There is reward and cash back points available for transaction which i make. They did quick documentation and approval process.and rate of interest is nominal one. Mainly i use this card for business transaction.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 11, 2018
    • Kotak Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      The credit limit which was given with this card is good, there has been an annual fee which is nominal. The interest rate charged is high, i am not sure about the cash back offers and the reward points. There has been some movie tickets per month with this card every month.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 09, 2018
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