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.

    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
      "Good "
      0.5 4.0/5 "Great!"
      Already I had taken a personal loan from KOTAK at that time banker has offered a credit card with life time free. I have been using this card for one year. The credit limit is sufficient and I never preferred for the cash limit. I utilized EMI conversion more than 3-4 times but charges are high. I use this card for shopping and all other purposes. I don't feel they are providing much offers .
      Was this review helpful? 10
      , kochi
      Reviewed on Mar 20, 2020
    • Kotak
      Kotak Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I am using Kotak Mahindra Bank credit card for the past 6 months .The credit limit was really good and converting emi option is there .This card is very useful on all circumstances and it dont have cash on hand this will play a vital role.This card was delivered on time .
      Was this review helpful? 2
      , chennai
      Reviewed on Mar 19, 2020
    • Kotak Credit Card
      "Good service and good card"
      0.5 5.0/5 "Blown Away!"
      I am using League credit card more than 6 months from Kotak Bank. This is an excellent card. Maximum I am using for online shopping, Eb payment and recharges, online payments and domestic shopping, home appliances through online and I applied this card through other channel.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Mar 19, 2020
    • Kotak Credit Card
      "Okay"
      0.5 4.0/5 "Great!"
      Credit limit from Kotak Bank which is okay limit and the service need to be improved. The rate of interest was high in this bank which they need to decrease .I am getting a reminder call but they need to improve the tele calling system and other part.
      Was this review helpful? 3
      , kolkata
      Reviewed on Mar 18, 2020
    • Kotak Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Kotak Bank credit card service was good, they have a wonderful application and its a customer friendly bank because I am struggling to use other bank. I am getting 1+1 movie offer on this card even if I spend 1L in a year, i am getting 2 movie tickets free which am happy.
      Was this review helpful? 3
      , jaipur
      Reviewed on Mar 18, 2020
    • Kotak Credit Card
      "Its a good card"
      0.5 5.0/5 "Blown Away!"
      Mostly am using this Kotak Mahindra credit card for shopping, bill payments, etc and this card has a EMI facilities, usually i won't go for EMI. This bank has a very good customer service and i got this credit card offer directly through bank only.
      Was this review helpful? 2
      , chennai
      Reviewed on Mar 18, 2020
    • Kotak Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      I was using KOTAK card past 2 years ago. I chosen this card from my end which applied direct to bank. They provided a life time free card and the credit limit was low of 15K only. I was using this card for shopping and other usage and getting benefits. Then I felt not interested to hold this card for further so I raised a request to close the card and it was done on time from bank.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 17, 2020
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using Kotak Mahindra Bank credit card which was taken through bank.I am using this credit card almsot 10 to 12 years only since have salary account bank offered this credit card .This was a life time free card and not using this credit card much .I am using this credit card for shopping and dinning .I have submitted documents through agent and the process was smooth and good .
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 15, 2020
    • Kotak Credit Card
      "Good"
      0.5 4.5/5 "Excellent!"
      I have a PVR credit card with Kotak Mahindra Bank which am using it for around 5years. I have an issue with the limit, now its 83K but when I started it was only 25K. I am not paying annual fee. There is no special benefits, only they have provided 2 pvr tickets when I purchased above 10K.
      Was this review helpful? 1
      , pune
      Reviewed on Mar 15, 2020
    • Kotak Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK Bank credit card for last one month and i applied this card directly through bank. I have an account with this bank based on that i got this offer without any documentation its pre approved. This card has buy 1 get 1 movie ticket offer.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 14, 2020
    • Kotak Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have an account with Kotak Bank, so i got this credit card offer. They have increased the limit with in one month , now the limit is sufficient and i am using Kotak service is very good which am using it for past 2.5 years. I am using this card for all purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 14, 2020
    • Kotak Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have Kotak Mahindra Bank credit card which was taken through bank. I am using the card for the past 1 year and this card is having was very less credit limit which I would suggest them to increase. EMI conversion is included and easy to navigate.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 13, 2020
    • Kotak Credit Card
      "Excellent service "
      0.5 5.0/5 "Blown Away!"
      I got a offer from KOTAK Bank for credit card which have availed and i was using for the last 2 years. This is a free card actually its card to card basis. Actually i use this card for medicine, groceries, mobile bill, EB bill payment. Overall its working good.
      Was this review helpful? 2
      , kolkata
      Reviewed on Mar 13, 2020
    • Kotak Credit Card
      "Better service"
      0.5 5.0/5 "Blown Away!"
      I have been using the Kotak Mahindra bank credit card but i am planning to close this card because of non usage. They will give some reward points based on my usage. There will be one movie ticket free every month from PVR Cinemas. They have given me a satisfied credit limit. They charge a yearly fee of Rs. 499 any way it will be waived off. One of the executive approached me to get this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 13, 2020
    • Kotak Credit Card
      "Basic card"
      0.5 5.0/5 "Blown Away!"
      In Kotak Mahindra bank, i have been holding urban credit card for around 2 year which is a basic card so i won't get much benefits. Value of the reward point is very low. Since i hold a savings account with Kotak Mahindra bank, they have forced me to take this card actually they gave me a upgrade option but am not interested. Overall, customer care service is good. EMI, processing fee and fore closure fee is quite high when i compared to others. Their reward point conversion should be bit more higher.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Mar 11, 2020
    • Kotak Credit Card
      "Everyone must take the card"
      0.5 4.0/5 "Great!"
      Took my Kotak Mahindra bank credit card around 2 years. There is a waiver option, if i spent a limit of Rs.35000 in a year. It does not have any free movie ticket offer. They have increased my credit limit on a yearly basis. They keep on sending me a offer notification through SMS. I'm receiving the bills on time and i haven't received the hard copies.
      Was this review helpful? 0
      , kochi
      Reviewed on Mar 10, 2020
    • Kotak Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I access the online transaction on my Kotak Mahindra bank and I'm not that much satisfied with the customer care service because its not getting connected easily and it takes lot of time. EMI conversion facility is very good when i compared to other cards because when i select the EMI option, they will inform their terms and conditions through mail after that they will process.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 10, 2020
    • Kotak Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      KOTAK has given the cash limit of 40K and they have enhanced the credit limit of 3- 4 times for past 2 years. Some time I use this card for fuel purpose. They have given option for EMI conversion. Generally I use this card for all purposes and getting good benefits.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 09, 2020
    • Kotak Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      From KOTAK Bank, i am using Delight credit card for more than 1.5 years and it was applied directly through bank. Sometimes, am getting reward points and there was some offers on bookmyshow.com. If I spend 40K in a year then annual fee will be zero. I got 1L as a credit limit.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 09, 2020
    • Kotak Credit Card
      "Need to improve customer service"
      0.5 3.0/5 "Satisfactory"
      I was holding KOTAK bank credit card for more than 2 years. It was a life time free card but the service is not up to the mark. There is no proper intimation for my query and also not easy to connect them, at initial I got the credit limit of 25K. since there is no proper service, I have cancelled this card.
      Was this review helpful? 2
      , bangalore
      Reviewed on Mar 09, 2020
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