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
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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:

    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
      "Well done"
      0.5 3.0/5 "Satisfactory"
      Kotak had done exceeding well because their response was very much immediate also I am very much happy with the response provided by them. For example in case of any charges or any other issues they revert back instantly and provide instant resolution. But I dont have a clue about their over draft facility.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 23, 2017
    • Kotak Credit Card
      "Services are excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card is with Kotak Mahindra bank and I am happy about the banking services. The online banking is good as I can view my statements clearly and also my transactions as well. The customer support is also helpful. The offers are up to my expectation and when ever I used my card online and offline be it for shopping or to make any other transaction. There are no hassles.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 23, 2017
    • Kotak Credit Card
      "Credit Limit Very Low"
      0.5 2.0/5 "Expected more"
      Kotak mahindra bank has offered me the credit card and I am normally using the credit card as the limit is very bad they have offered me just 15000 rupees and the process in getting the card was also simple and The card is also accessible everywhere but they said after 6 months they will enhance the limit
      Was this review helpful? 0
      , noida
      Reviewed on Aug 23, 2017
    • Kotak Credit Card
      "Not recommendable "
      0.5 2.0/5 "Expected more"
      I am also not happy with the credit card of Kotak Mahindra bank. There are no features at all on it and the charges and interest rate is very high. I would not wish to recommend the bank for this product as well. I do not get good deals on online shopping as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 23, 2017
    • Kotak Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am holding a kotak mahindra bank credit card. I did not face any issues with them at all. I have been using this card for the past 7 years of time. I am very much happy with the credit limit offered by them its 83000 rupees statement i check everything online and there are no hidden charges and the annual charges of this card is 499 rupees.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 22, 2017
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am using Kotak mahindra bank credit from the last two years of time.Response is fine one with the Kotak Mahindra bank and the credit limit value is around 25000 Rupees, also am really not okay with that, and I have asked them to increase it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 22, 2017
    • Kotak Credit Card
      "Need to be quick and fast"
      0.5 2.0/5 "Expected more"
      I have applied Kotak mahimndra credit card 15 days ago, still I never got any update on my credit card application which I have applied for. The response part need to be quick and fast from kotak mahindra. They need to fulfill the customers need on appropriate time. It would be great if kotak mahindra at-least updates the application status to the customers on promised time.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 21, 2017
    • Kotak Credit Card
      "Good to hold and convenient to pay bill"
      0.5 4.0/5 "Great!"
      Kotak Mahindra credit card is good for converting the outstanding transaction into an EMI and with less amount of processing fee . I am holding Kotak Mahindra PVR gold credit card, its good for movie ticket booking. This card is accessible everywhere.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 21, 2017
    • Kotak Credit Card
      "Good to Maintain"
      0.5 5.0/5 "Blown Away!"
      As I maintain an account with Kotak mahindra bank, I availed credit card services too. I am paying some amount in yearly basis in order to maintain the card. But I am not sure about the yearly charges. The credit limit is moderate and it is enough for my usage. I did not see any hidden charges or unwanted charges till date. All things are going good.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 21, 2017
    • Kotak Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I received urben Credit card of Kotak Mahindra around a two years back back. This card is offered to me basis on my salary account in Kotak Mahindra Bank. So far my experience with the card is good. Bank has good offers for movie tickets at PVR cinemas. Credit limit they have offered me is 24000 and its a life time free card
      Was this review helpful? 0
      , nizamabad
      Reviewed on Aug 20, 2017
    • Kotak Credit Card
      "Till date no hassles"
      0.5 4.0/5 "Great!"
      Kotak Mahindra bank is doing good on the credit card. The features are good and the overall experience is nice. The limit is to my satisfaction and the bank enhances it accordingly. There are the other offers of cash back and rewards are there too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • Kotak Credit Card
      "Excellent Balance Transfer option"
      0.5 5.0/5 "Blown Away!"
      My credit card is with Kotak Mahindra Bank. The best I prefer on the credit is that I can do a balance transfer and I can not only do it to my other credit cards, I can also make a transfer for the cards owned by my family members too. This feature is not available with the other bank cards I been using. There are normal annual charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • Kotak Credit Card
      "Excellent card to hold"
      0.5 5.0/5 "Blown Away!"
      KOTAK is really doing well when it comes to credit card, as they have provided a very good line of credit. Actually they have provided me a very good rate of interest and it is very low. KOTAK has got all sorts discounts at BMS and online stores. Plus they did not set any clause for annual fee.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 17, 2017
    • Kotak Credit Card
      "Till date no hassles"
      0.5 5.0/5 "Blown Away!"
      My credit card is with Kotak Mahindra bank and there are no charges taken for the card, secondly I am given a lot of offers and there are much of deals online. There has been no hidden charges and the billing cycle is also comfortable for me. I got a decent credit limit on the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 17, 2017
    • Kotak Credit Card
      "Satisfied with the services"
      0.5 4.5/5 "Excellent!"
      I am happy to use the credit card of KOTAK a well. As long as I had been using it, there were no issues and the experience has been perfect till date. The offers are good and the limit is to what I expect. Just that the service charges are a bit higher but I am happy with the overall experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • Kotak Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      The Kotak mahindra credit carries very low interest rate. I convert any purchase I made through Credit card in to EMI, if I pay the full payment of what I spent, I will be getting the reward points,. From Kotak mahindra PVR movie tickets also given . The credit limit is quite High I got around Rs.70,000 it is twice of my salary, I would say I am satisfied with the credit limit.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 16, 2017
    • Kotak Credit Card
      "Nice Experience "
      0.5 4.5/5 "Excellent!"
      My credit card is with Kotak Mahindra bank and the banking services are good. I am happy with what ever I have received on the card. Be it the features or the offers or the credit limit. The transactions goes through smoothly and there are no hassles.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 14, 2017
    • Kotak Credit Card
      "Looking for a better feature"
      0.5 4.5/5 "Excellent!"
      My salary is Kotak Mahindra, at the time of account opening , they offered saving account along with their credit card. Kotak gave me the credit limit of Rs. 50,000, but they are taking some charges on yearly basis. However if I spent some certain amount that annual charges gets waived off. I am fine with everything but they should increase the credit card offers.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 11, 2017
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Its been around two years of time, I am using Kotak Mahindra bank credit card and the credit limit value is around 25000 Rupees, also I got it as an add-on for my car loan. Payment mode is a feasible one with them.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 10, 2017
    • Kotak Credit Card
      "Hassle free"
      0.5 4.0/5 "Great!"
      Kotak Mahindra Bank has offered me a credit card as well and the services on the card has been good. I was contacted on a time to time and given the details and the bank has also offered me a limit which is enough for my usage. The charges are very much normal.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 10, 2017
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