Kotak Bank – Delight Platinum credit card offers cashback, surcharge waivers and many other benefits.
Kotak Delight Platinum Credit Card Benefits
- Benefits
- 10% cashback on dining (To qualify, you need to spend minimum of Rs 10000 monthly on categories other than dining and entertainment )
- 10% cashback on Movies (To qualify, you need to spend minimum of Rs 10000 monthly on categories other than dining and entertainment )
- Railway Surcharge waiver for transactions on www.irctc.co.in or counters (max waiver of Rs 500 annually)
- Lounge Access (Domestic): No Benefit on this card
- Movie Tickets:
- 10% cashback on movies
- Spend Rs. 1,25,000 every 6 months and get 4 free PVR tickets or Rs. 750 cashback.
- Enjoy a maximum of 8 free PVR tickets or Rs. 1500 cashback every year
- Restaurant Offers:
- 10% cashback on dining
- Fuel:
- Fuel Surcharge Waiver – Fuel surcharge waived off on fuel transactions between Rs 400 to Rs 4000.
- Other Offers
- VISA Offers: Get VISA Platinum Offers
Rewards Collection
- N/A – This is a cashback card so there are no reward points
Rewards Redemption
- N/A – This is a cashback card so there are no reward points
Kotak Delight Platinum Credit Card Fees
- Joining fees: Rs 1999
- Annual Fee: Rs 299
Benefits Example
| Monthly | Annual | Offer | Benefit (Annual) | Approx Benefit % | |
| Groceries – Online | 5000 | 60000 | No points | 0 | 0.0% |
| Other Online | 2000 | 24000 | No points | 0 | 0.0% |
| Other Offline | 7000 | 84000 | No points | 0 | 0.0% |
| Movie | 500 | 6000 | 10% | 600 | 10.0% |
| Dining | 1000 | 12000 | 10% | 1200 | 10.0% |
| Fuel | 1000 | 12000 | 1% waiver | 120 | 1.0% |
| Rail | 500 | 6000 | SC waiver | 108 | 1.8% |
| Travel/ Hotel | 1000 | 12000 | No points | 0 | 0.0% |
| Utilities | 3000 | 36000 | No points | 0 | 0.0% |
| Other benefits | 8 PVR Tickets | 2400 | 1.0% | ||
| 21000 | 252000 | 4428 | 1.8% |
Condition: For full benefit, you need to spend Rs 2.5 lakh annually (approx 21000 per month)
How to Apply – You can apply online at Kotak Bank website
- Primary credit cardholder should be in the age bracket of 21 – 65 years. Add-on credit cardholder should be 18 years or above
- Credit Card is available only in the following locations – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune
Summary
This is a cashback credit card from Kotak bank with “not-so great” benefits. The fuel surcharge waiver and dining discounts are available with most of the standard credit cards.