Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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.

    Kotak Mahindra Delight Premium Credit Card - 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 Credit Card

    • 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.

    Fees and Charges of Kotak Delight Premium Credit Card

    Type of Charge Amount
    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

    Kotak Mahindra Delight Premium Card Eligibility Criteria

    • 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.

    Kotak Mahindra Delight Premium Card 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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