Kotak Delight Platinum Credit Card – Review, Details, Offers, Benefits, Fees, How To Apply, Eligibility, Status, Limit

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.

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