Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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 7 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
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      The customer support is excellent withe the Kotak mahindra credit card department. I have the Kotak mahindra bank Urbane gold credit card for past 3 years. I would say it is an excellent card card to use. It is simply to use the Kotak mahindra bank urbane gold credit card. I am satisfied with the credit limit. There is no annual fee to this card.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 15, 2017
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my credit card with KOTAK bank 5 years back. I hold URBAN International card . The customer service and responses was up to the mark. The rate of interest and charges are avergae in the market. My overall experience was excellent .
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 15, 2017
    • Kotak Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      I hold a platinum credit card with kotak and with a limit of 1 lakhs. I have not checked for the reward points.Its been more than a month while i started using this card. The annual charge is 499. i make my payment using net banking, The payment option is very less and not user friendly.
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 15, 2017
    • Kotak Credit Card
      "Good for shopping"
      0.5 5.0/5 "Blown Away!"
      I hold a Kotak credit card with a limit of 1 lakhs. I got this card 3 months back. I use this card for shopping, fuel and for grocery. I get fuel reverts with this card. I have not redeemed the points. There is no annual charge for this card. Net banking is more comfortable.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • Kotak Credit Card
      "EXPECTED MORE"
      0.5 2.0/5 "Expected more"
      its been 4 years now that i am using the credit card of KOTAK Bank . the Customer service is good from the bank side regarding the card .the bank gave me a credit Limit of 30K and i am not happy , i want it to be increased a bit . the Balance transfer option is not there . the Cash withdraw option is there of 2K .there are no annual charges there on the card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2017
    • Kotak Credit Card
      "Average service"
      0.5 3.5/5 "Pretty good"
      It was a average service from Kotak mahindra credit card service ,the customer support was good. The process was flexible and easy and the offers and benefits was good with Kotak mahindra credit card service it was a fine experience with Kotak mahindra credit card service.
      Was this review helpful? 2
      , kolkata
      Reviewed on Dec 14, 2017
    • Kotak Credit Card
      "EXPECTED MORE"
      0.5 2.0/5 "Expected more"
      The customer service was good from the KOTAK bank side for the credit card i got a approval for . I still did not receive the credit card . i would a say it was a good experience . They informed me nothing about the card properly. But still i am waiting for the dispatch of this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2017
    • Kotak Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      Kotak mahindra credit card service was good ,the credit limit they offered me was 45k which was comfortable for me ,interest rate they quoted me was good compared from other credit service providers,it was a average service from Kotak mahindra credit card department.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2017
    • Kotak Credit Card
      "Not good"
      0.5 2.5/5 "Just OK"
      I have my credit card with KOTAK Bank for about 2 years back . The credit limit was 18,000 which was not satisfactory . The charges are very high than other banks in the market. The customer service and responses was good. The validity of the card is up to 2020 and I have 24/7 helpline number .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 14, 2017
    • Kotak Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Kotak mahindra platinum credit card service was good ,the customer support was good with Kotak mahindra bank credit card department they offered me a credit limit of 40k which was comfortable for me it was a good experience with Kotak mahindra platinum credit card service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2017
    • Kotak Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with Kotak Mahindra bank from last 7-8 years and this credit card is very convenient to use. The credit card services are good comparatively and there is no annual fees in this credit card. I get 5% cash back on online purchase from flipkart and amazon. I use net banking for making payments and there are additional charges on transactions.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I am using KMB credit card from last 1 year, the credit card services provided by KMB is good when compared to all other credit cards. I have a credit limit of Rs 15000 which is less and this credit card is lifetime free credit card. I did not get any offers so far in this credit card. I use net banking for making payments and there is no transaction issues in this bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Movie tickets offer with Kotak"
      0.5 4.0/5 "Great!"
      I hold a credit card with Kotak. They offer 450 rupees movie tickets for every month if the purchase is more than 15000. Limit is 1.25 lakhs. I get reward points and there is no annual charge. There is no reward points. I suggest this card to customer who can spend the amount less than 20000 per month.
      Was this review helpful? 2
      , bangalore
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Not satisfied with the limit"
      0.5 2.0/5 "Expected more"
      I have taken a platinum credit card from KOTAK. The approved limit was 1 lakhs. Already i have a credit card were i hold a limit of 6 lakhs. I am not satisfied with the limit. Reward points is there. There is no annual charge. I have not used the card yet need to use the card later.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Good and comfortable"
      0.5 5.0/5 "Blown Away!"
      I hold A KOTAK signature credit card with a limit of 75000. Its been just one month i started using the card. I get reward points but not sure about the cashback. There is no annual charge depending on the usage further I use this card for shopping, Electronic purchase etc.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Looking for Better feature"
      0.5 3.0/5 "Satisfactory"
      Kotak Mahindra is taking high charges based on the credit card transaction, I hope I am holding life time free credit card. I am using Kotak Mahindra credit card around two years, but they haven't enhance the credit limit, since its very low.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I hold a League Platinum credit card with Kotak Mahindra Bank. I am using it for 1.5 years, it was a average service. They are giving good reward points and offers. But I can utilize the points after 6 months, it was not a immediate. If I transact more than the limit then annual fee will be waived off. The payment option is easy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Friendly credit card "
      0.5 5.0/5 "Blown Away!"
      Kotak credit card is actually good, I could easily log in their netbanking features. I am having saving account with the same bank its convenient to check credit card transaction. Some time they giving no EMI Interest for three months its good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "Good features"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra Bank has also offered me a credit card. The best about the card is the reward points and the credit limit too. There are no cash back offers. The billing cycle and the statements are clear and sent to me on time. It has always been convenient to use the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • Kotak Credit Card
      "GOOD"
      0.5 3.5/5 "Pretty good"
      The customer service was good from the bank side while the card process was okay. The bank gave me a credit limit of 1 Lakh and i am happy with the credit limit . it is a League card which was provided by the bank. The Bank provided me Cash withdrawal option on the card and also the balance transfer option .There are good offers which is present on the card.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Dec 13, 2017
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