Kotak Delight Platinum Credit Card Review

By | July 6, 2021

Kotak Delight Platinum Credit Card is cashback Credit which offers 10 % cashback on coffee Shops/ Fast food joints/ Pizza joint/ Pubs/ Restaurants and dining and 10% cashback on movie tickets on any day and any show. One con of this credit card is, you need to spend a minimum of Rs.10,000/- per month on categories other than dining and entertainment within the billing cycle to avail of 10% cash-back on movies and dining every month.

Here is the detailed review of this credit card.

Kotak Delight Platinum Credit Card

Kotak Delight Platinum Credit Card Annual and Joining Fees

  • Joining fees: Rs.1999 + GST (Non-waiverable in any case)
  • Annual fees: Rs 299 + GST (non-waiverable)

Kotak delight platinum credit card benefits

10% Cash-Back on Dining

  • Kotak delight platinum credit card offers you a 10% Cash-Back on Dining. You need to spend at least Rs.10,000 using your Kotak Delight Platinum Credit Card on categories other than dining and entertainment within the billing cycle to avail of 10% cash-back on dining every month.
  • Maximum Cash-back Per month: Rs. 600/-
  • Maximum transaction size: Rs. 4,000 per transaction
  • Cash-back for the current billing cycle will be credited in the next month’s billing cycle.
  • Cash-back is offered on transactions/Restaurant transactions classified under the “Restaurant” Merchant Category Code (MCC) as defined by VISA.
  • Cashback is available on any Coffee Shops/ Fast food joints/ Pizza joint/ Pubs/ Restaurants
  • Check one of the Best cashback Credits cards

10% Cash-Back on Movies

  • You need to spend a minimum of Rs. 10,000 on categories other than dining and entertainment within the billing cycle to avail 10% cashback on movies every month.
  • Maximum Cash-back Per month: Rs. 600/-
  • Maximum transaction size: Rs. 4,000 per transaction
  • Cash-back for the current billing cycle will be credited in the next month’s billing cycle.
  • Cash-back is offered on transactions/Restaurant transactions classified under the “Restaurant” Merchant Category Code (MCC) as defined by VISA.
  • Cashback is available on any Movie Theatres / Plays 24*7

Kotak delight platinum credit card features

Milestone Feature

  • You need to spend at least Rs. 1,25,000 every 6 months and get 4 free PVR tickets or Rs—750 cashback.
  • Benefits are limited to a maximum of 8 free PVR tickets or Rs. 1500 cashback every year
  • You can claim your PVR tickets within 3 months after the achieving milestone.

Fuel Surcharge Waiver

  • Fuel Surcharge Waiver applies to transactions between Rs. 400 and Rs. 4000
  • The maximum fuel surcharge waiver is limited to Rs. 4500/- in a calendar year.

Railway Surcharge Waiver

Kotak delight platinum credit card offers you Railway Surcharge waiver up to Rs. 500 in a calendar year. Railway surcharge waiver will be applicable for the transaction on www.irctc.co.in and for transactions on Indian Railways Booking Counters

Delight Shield- Insurance

  • You are secured up to Rs. 1,25,000 against fraudulent usage up to 7 days pre-reporting in case your card is stolen.
  • You are required to call Customer care no. (1860 266 2666) and get your credit card deactivated/blocked to prevent misuse and register a claim with the Insurance Company

Add-on Card

  • You can get an Add-on card for spouse and relative
  • You will be charged an extra Rs. 299 per Add-on credit card.
  • You can set the spending limit on your Add-on Card as you wish.
  • You can track spends separately for each of your Add-on Card.

Kotak delight platinum credit card Eligibility

  • You should be a resident of India
  • Your age Should be between 21 to 65 Years.
  • Kotak delight platinum credit card is available in limited cities. You should check your fall in eligible cities. Below are the lits of Cities
  • Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai, and Pune

Kotak delight platinum credit Application Process

Kotak’s credit application process is very smooth. You can apply via Netbanking if you are already a Kotak Bank customer or By Filling online Detail at the Kotak portal or offline through Branch.

The Bank representative will call you and collect required documents like PAN card and Aadhar Card and Income Proof-like Salary Slip, Income Tax Return(For Self Employed), or other documents required by the bank.

Normally, the application is processed within a week and delivered to you by courier or speed post after the application’s approval.

Kotak delight platinum credit Limit

Kotak delight platinum credit limit starts from Rs. 15,000/-. Kotak Mahindra Bank does not offer a good credit limit initially, but Bank will increase the credit card limit by every 6 months if you pay all credit card dues on timely or due dates.

Kotak Delight Platinum Credit Card Fees And Charges

Fees DetailsCharges
Joining FeesRs. 1999
Annual FeesRs. 299
Addon Card FeesRs. 299
Interest Charges on outstanding Balances3.50% (Annualized 42%)
Minimum Amount Due (MAD)MAD can be 5% or 10%
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereofRs. 300
Over Limit ChargeRs. 500
Cheque Bounce ChargesRs. 500
Foreign Currency Mark Up3.5%
Railway Booking Surcharge Waived up to Rs. 500
Fuel Surcharge (1% on the transaction)Waived up to Rs. 4500/-
Fee for Cash payment at BankRs. 100
Outstation Cheque Processing FeeWaived
Reissue/ Replacement Card (per issunace)100.0
Charge Slip RequestWaived
Machine Surcharge at ATMsWaived
Balance Enquiry Charges at Non-Parent Bank ATMWaived

You value chart of Kotak Delight Platinum Credit Card credit here

Bottomline

This credit card is good if your spending is largely Dining and Movies bill. This credit card gives 10% cashback on Dinning as well as movie expenses. Apart from this, you do need to go to any specific restaurant or theatre to earn cashback.

Even you can order Online food delivery portals like Swiggy and Zomato too to get 10% cashback.

What’s your take on Kotak Delight Platinum Credit Card? Feel free to share your thoughts & experiences in the comments below.

Avatar of Dhiraj Jha
Author: Dhiraj Jha

I love to acquire, review, and earn reward points/cashback from Credit Cards for free traveling and enjoying luxury hotels. Helping people about the benefits and optimal utilization of credit cards.

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