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  • Kotak Mahindra Delight Premium Credit Card

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    Kotak Mahindra Delight Premium Credit Card

    Kotak Mahindra Delight Premium Card is indeed a delight to customers who love spending on entertainment. With attractive benefits and features, cardholders of this card can enjoy spending every day. This is an ideal card for the movie buff in you.

    Key Features:

    • Avail up to 4 free PVR tickets every 6 months on an expenditure of Rs.1,25,000.
    • A chance to get up to 8 free PVR tickets in a year.
    • Freedom to use PVR tickets for any day and any show.
    • PVR tickets can be claimed within three months from the date when the program period gets over.

    Features and Benefits of Kotak Mahindra Delight Premium Card:

    Some of the features and benefits of the Delight Premium Card from Kotak Mahindra Bank are:

    • Cashback on Movies:
      • On a minimum expenditure of Rs.10,000 on categories except entertainment and dining in one billing cycle, you can get 10% cashback on movies every month.
      • The card can be used anytime at movie theatres and plays at any time of the year.
      • Maximum of Rs.600 can be gained as cashback for both dining and entertainment expenses together. Movie related transactions entitles you to earn up to Rs.4,000 as cash-back, which is credited in the next month’s billing cycle.
      • This offer can be utilised on transactions made by merchant establishments under the category of ‘Entertainment’ MCC as set by VISA.
    • Cashback on Dining:
      • Cardholders of Kotak Mahindra Delight Premium Card can avail 10% cash-back on dining at stand-alone outlets every month on an expenditure of Rs.10,000 on categories except dining and entertainment.
      • The card can be used in coffee shops, pizza joints, fast food joints, restaurants and even pubs all-round the year.
      • Up to Rs.4,000 worth cash-back can be availed on a dining transaction, which is credited in the next month’s billing cycle.
      • This offer is only valid on transactions on merchant establishments that come under the ‘Restaurant’ Merchant Category Code (MCC) as designated by VISA.
    • Railway Surcharge Waiver:
      • Using the Delight Premium Credit Card, cardholders can avail railway surcharge waiver of 1.8% on transactions made on the IRCTC website.
      • Cardholders can also get 2.5% waiver if they book tickets through the counters at Indian Railways.
    • Fuel Surcharge Waiver:
      • Get 2.5% fuel surcharge waiver on all petrol pumps in the country.
      • This waiver is applicable on all transactions between Rs.400 and Rs.4,000.
      • You can earn a maximum fuel surcharge waiver of Rs.4,500 in a year.
    • Delight Shield:
      • In case you misplace your Delight Premium Card, you must immediately inform the Customer Contact Center and request for a blocking or deactivation of card in order to stop any misuse of the card.
      • You are also required to register a claim with the Insurance Company.
      • In case of stolen or misplaced card, Kotak Mahindra provides you a cover of Rs.75,000 against any fraudulent transactions made using your card up to 7 days before reporting.
    • Add-on Card:
      • Kotak Mahindra allows cardholders of the Delight Premium Card to opt for an add-on card.
      • You are also given the option of setting the spend limit on your add-on card as per your requirement.
      • The bank gives you an option of tracking expenses on each add-on card, separately.
    • Free Services:

    Cardholders of the Kotak Mahindra Delight Premium Card can enjoy services such as balance enquiry at ATMs, machine surcharge at ATMs, retrieval of duplicate statement, and charge slip, for free.

    Eligibility:

    The following eligibility criteria should be met in order to avail the Kotak Mahindra Delight Premium Card:

    • Primary card holder should be within the age of 21 years to 65 years.
    • Add-on card holder should be at least 18 years old or above.
    • Applicant should be an Indian resident.

    Fees and Charges:

    Details Fees
    Joining Fee Rs.1,999 (One-time)
    Annual Fee Rs.299 (2nd year onwards)
    Interest Charges 3.5%
    Over Limit Charge Rs.500
    Fund Transfer (per Rs.10,000) Rs.300
    Cash Withdrawal Rs.300
    Call a Draft Rs.300
    Cheque Bounce Payment Rs.500
    Foreign Currency Mark Up 3.5%
    Add-on Card Rs.299
    Card Replacement Rs.100
    Cash Payment (Branch) Rs.75

    Late Payment Charges:

    Total Amount Due Charges
    Rs.100 – Rs.500 Rs.100
    Rs.501 – Rs.10,000 Rs.500
    Above Rs.10,000 Rs.700

    FAQs:

    1. Can the Kotak Mahindra Delight Premium Card be used anywhere in the world?

      Yes, the card can be used internationally anywhere provided the merchants accept it.

    2. Will the add-on card holder on my Delight Premium Card get a separate cashback?

      The card entitles a total monthly cashback limit of Rs.600 on movie and dining transactions for both primary and add-on card combined. Therefore, there is no separate cashback for an add-on card holder.

    3. What will happen if my insurance claim is rejected by the Insurance Company, in case of a misplaced card?

      In case the Insurance Company rejects your insurance claim, you will have to pay the disputed amount as reflected in your credit card statement.

    4. Will I be able to avail CashBack on online payment for movies and plays?

      Yes, you can use the 10% cashback offer even when you book tickets online from a third-party site or registered website of multiplex or theatre, provided they are categorised under Entertainment MCC.

    5. What are the places where the fuel surcharge waiver applicable on my Delight Premium Card from Kotak Mahindra?

      Kotak Credit Cards offer the waiver that can be availed at all domestic petrol pumps in the country.

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    Credit Card Reviews

    • Kotak Credit Card
      "Need lot of improve on credit card"
      0.5 1.0/5 "Really Bad"
      I didn't get any offers, the credit limit is good around Rs.58,000 they are not very good in credit card offers and service, I am using this card around two years, when I do shopping they won't give any cash back offers on the transactions of my card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2018
    • Kotak Credit Card
      "Very Good card"
      0.5 5.0/5 "Blown Away!"
      Still now i have received the one month statement and no issues with it. They have given me a credit limit of Rs. 85000 and cash limit of Rs. 17000 and I'm happy about it. Past 1.5 months I'm using this card. They are offers on sur charges on petrol purchase. There is no annual fee. I called the customer care service and the response was prompt.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2018
    • Kotak Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had been using this card for the last two years and the services which they had been providing so far has been good. The credit limit with the card has been sufficient and there has been some annual charges with this card as well. There has also been some good benefits which comes along with this card as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2018
    • Kotak Credit Card
      "Awesome card"
      0.5 5.0/5 "Blown Away!"
      Am using the KOTAK ESSENTIA PLATINUM CREDIT CARD for three months. They have given me a credit limit of Rs. 25000 and cash limit of Rs. 5000. There is no annual fee. In a bill cycle date, i may use Rs. 10000 then i will get 2 free tickets from PVR cinemas. I have called the customer care to change the mail id for that they are saying that i have to visit kotak Mahindra bank website and i can able change the mail id over there.
      Was this review helpful? 0
      , vadodara
      Reviewed on Dec 11, 2018
    • 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? 0
      , chennai
      Reviewed on Dec 11, 2018
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with KOTAK MAHINDRA BANK , i am holding this card for past 1 year. There is charges with this credit card . The card is good and the Limit is also good. I never faced any hassle with their services.overall it is a recommendable card to have.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2018
    • Kotak Credit Card
      "Good Card"
      0.5 4.5/5 "Excellent!"
      Using the Kotak Royale Signature credit card for past 2 months. I have chosen this card because of the cashback offers provided by this. They have given me a credit limit of Rs. 31000 and i just want to enhance my credit card. There is a annual fee of Rs. 499 in that they will give a cashback of Rs. 199 for the next year. There is a cashback offer and buy1+Get1 offer on PVR movie tickets. There is a10% cashback offer on flipkart.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 11, 2018
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with KOTAK MAHINDRA BANK , i am holding this card for past 4 year . It has been a good experience with the card because they've given me a very good credit limit. Benefits i cannot comment because i have not use till date . I use this card for multipurpose .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 10, 2018
    • Kotak Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with KOTAK MAHINDRA BANK , i am not happy with the service without my commitment they charge on my credit card the service for which i am not aware . There is so much of hidden charges . The credit limit is also low they promise something and they did not fulfill .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 10, 2018
    • Kotak Credit Card
      "Good for air lounges"
      0.5 5.0/5 "Blown Away!"
      I used to get discounts on movie tickets and air lounges there other banks not ready to give. I am holding Kotak Mahindra visa master card it is life free card credit limit also good I am an existing customer of the bank hence I don't have any issues.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 09, 2018
    • Kotak Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I hold a Kotak Credit card. I am satisfied with the credit limit, it is somewhere around 60k and i never had any issue while doing any transactions. Well compare to my other cards the offers here are less and bank can probably look for offers so that customers are benefited.
      Was this review helpful? 1
      , surat
      Reviewed on Dec 09, 2018
    • Kotak Credit Card
      "Excellent card"
      0.5 4.0/5 "Great!"
      I have been applied for Kotak mahindra credit card recently, i have no idea about annual fee they are charging me or not i have not checked yet, and there credit limit they have given me was not sufficient ,i am not happy with my credit limit they have just given me up to 1,00,000 compare to other bank credit card it is too low for me and there service is not proper, i donâ??t use to get otp on time, they are saying server issue for that reason otp is not getting generated on time, i am not much happy with the service there.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 08, 2018
    • Kotak Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have applied for Kotak mahindra credit card recently through on line , it have been just one month only i have started using this bank credit card, they have not charged me annual fee in this card and i am happy with my credit limit but i am expecting that they should increase my limit after 2-3 months, it is too early to comment about this bank card.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 07, 2018
    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have applied for Kotak mahindra credit card recently through on line ,they have charged me annual fee in this card, but i am not sure they have given me waived off option in this card or not, if they will charged then i will stop using this card and i am happy with my credit limit they have given me in this card and the best part is that there service is good and they provide good offers in movie tickets in book my show.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • Kotak Credit Card
      "Its better card"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra credit card is not upto the mark, but offers are good, in terms of points. The documentation process is less the credit card also dispatched on time. The customer support taken around one week to approve. More than all, Its a life time free credit card.
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 07, 2018
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with KOTAK MAHINDRA BANK , the card also has got Cash back offers and reward points. I never had any issue with their services and this is a useful card to have. I am holding this card for more than 2 year . Service was good with this card .
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 07, 2018
    • Kotak Credit Card
      "Very Useful card"
      0.5 4.0/5 "Great!"
      Started using the Kotak Mahindra bank credit card for more than 1 year. I have got the credit limit of 1.5 lakhs and i'm happy about it. I used to received a regular notifications regarding the offers on my mails and messages. Overall, i'm happy about the card.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 07, 2018
    • Kotak Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with KOTAK MAHINDRA BANK , they offer very low credit limit with this credit card . I am holding this card for past 6 month . Customer service is up to the mark . There is no joining fee at the time of getting the card . Benefits were like cash back, reward points .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2018
    • Kotak Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with KOTAK MAHINDRA BANK , the card is free for the 1st year and from 2 and year the card is chargeable . Benefits were attractive like reward point and if i do shopping of 15000 then i will get 2 free movie tickets . I received my credit card on time .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2018
    • Kotak Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      Using Kotak bank credit card for last 3 years, And their is no annual charge as its life time free card There is no additional charges for the transaction which i make i got good credit limit .only problem they don't have Tamil customer service whenever i tried to reach them they used to say Tamil agent is not available .
      Was this review helpful? 0
      , coimbatore
      Reviewed on Dec 07, 2018
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