Kotak
Kotak Delight Platinum Credit Card
This card is no longer offered by bank
This card is no longer sourceable
This card is no longer offered by bank
Top Benefits
Earn 10% Cashback
on movie theatre and entertainment spends for transactions up to ₹4,000, with a combined cashback cap of ₹600 per month across dining and movies, subject to ₹10,000 spend on other categories in the same billing cycle
Get Free PVR Tickets
or ₹750 cashback on spending ₹1,25,000 every 6 months, with a maximum of 8 free PVR tickets or ₹1,500 cashback per year
Best For
Dining
Travel
If you love spending your weekends at restaurants and movie theatres, the Kotak Delight Platinum Credit...
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If you love spending your weekends at restaurants and movie theatres, the Kotak Delight Platinum Credit...
If you love spending your weekends at restaurants and movie theatres, the Kotak Delight Platinum Credit Card brings direct savings to your lifestyle. This card focuses specifically on dining and entertainment, giving you a straightforward 10% cashback on these categories. Instead of dealing with confusing reward point conversions, your earnings are credited directly to your statement, making it completely effortless to see your savings grow.
What sets this card apart is its simple approach to rewards. Rather than restricting you to specific apps or partner networks, the card gives you cashback at any standalone dining outlet and any movie theatre. The catch is that you need to use this card for your everyday expenses first. Once you hit the monthly spending requirement of Rs. 10,000 on other retail categories, you activate the 10% cashback for your food and entertainment spends. This makes it an excellent primary card for individuals who want to consolidate their grocery, utility, and apparel spending into one place to earn big discounts on their weekend outings.
View FAQ
Commonly Asked Questions
Is the Kotak Delight Platinum Credit Card lifetime free?
No, this card is not lifetime free. It comes with a one-time joining fee of Rs. 1,999 and a recurring annual fee of Rs. 299 from the second year onwards.
Who should apply for this card?
This card is perfect for working professionals who spend at least Rs. 10,000 a month on general shopping and frequently eat out or watch movies. It suits people who prefer automatic statement credits over managing reward catalogues.
Is this a good first credit card?
Yes, it is a solid first card if you meet the minimum income criteria of Rs. 50,000 per month. The direct cashback structure is very easy to understand for beginners.
What makes this different from other dining cards?
Unlike many dining cards that require you to book through specific platforms like EazyDiner or Zomato, this card gives you 10% cashback at any standalone restaurant, provided you meet the base spending criteria.
Expert Review
The Kotak Delight Platinum Credit Card takes a very traditional approach to dining rewards. As an expert, I appreciate the simplicity of direct statement cashback. You do not have to worry about points expiring or losing value in a catalogue update. If you spend exactly Rs. 10,000 on groceries and utility bills, and then take your family out for dinner and a movie spending Rs. 6,000, getting Rs. 600 back feels incredibly rewarding for a card with just a Rs. 299 annual fee.
However, the card has a glaring flaw: the Rs. 1,999 joining fee. Charging nearly two thousand rupees without offering a single welcome voucher or bonus point makes the first-year value proposition very weak. It will take you nearly four months of maxing out the cashback just to break even on the joining fee. This card is best suited for people who intend to keep it for many years, as the low Rs. 299 renewal fee makes the math work nicely in the long run. If you are a heavy restaurant-goer who consistently spends over Rs. 10,000 on basic household needs, this card will serve you well.
Joining / Annual Fee
Joining Fees
₹2,359 ( ₹ 1999 + GST )
Annual Fees
₹353 ( ₹299 + GST )
When evaluating a credit card, understanding the fee structure is critical to determining its true valu...
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When evaluating a credit card, understanding the fee structure is critical to determining its true valu...
When evaluating a credit card, understanding the fee structure is critical to determining its true value. The Kotak Delight Platinum Credit Card has a premium upfront cost. When your application is approved, a one-time joining fee of Rs. 1,999 is charged to your first statement. Unlike some premium cards that offset this fee with welcome vouchers of equivalent value, this card relies purely on its long-term cashback potential to deliver value.
Moving forward, from the second year onwards, the card carries a much lower annual renewal fee of Rs. 299. It is vital to note that this card does not offer any annual fee waiver based on your spending. No matter how much you spend during the year, you will be billed the Rs. 299 fee annually. However, if you maximize your Rs. 600 monthly cashback just once a year, you easily cover the cost of the annual renewal fee.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The one-time joining fee is Rs. 1,999 plus applicable GST.
Is the joining fee waivable?
No, the joining fee is a fixed charge and cannot be waived.
What is the annual or renewal fee?
From the second year, an annual renewal fee of Rs. 299 plus GST is applied to your account.
Is there an annual fee waiver based on spending?
No, there is no spend-based waiver available. The Rs. 299 fee is mandatory every year.
Is the Rs. 1,999 fee charged every year?
No, the Rs. 1,999 is only charged once when you first get the card. After that, you only pay the Rs. 299 annual fee.
Are taxes included in the fee amounts?
No, a standard GST of 18% is applied on top of the Rs. 1,999 joining fee and the Rs. 299 annual fee.
How can I get this card lifetime free?
This card variant does not offer a lifetime free option, and standard joining and annual fees apply to all cardholders.
When will the annual fee be billed?
The annual fee is billed in the statement corresponding to your card anniversary month each year.
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
6LPA
Credit
Rating*
720+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
To secure approval for the Kotak Delight Platinum Credit Card, you must meet clear age and income bench...
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To secure approval for the Kotak Delight Platinum Credit Card, you must meet clear age and income bench...
To secure approval for the Kotak Delight Platinum Credit Card, you must meet clear age and income benchmarks set by the bank. The primary applicant must be at least 21 years old, with the maximum age capped at 65 years. The bank accepts applications from both salaried employees and self-employed individuals, making it accessible to a wide demographic.
The financial requirement is straightforward: you need a minimum monthly income of Rs. 50,000. On an annual basis, this means both salaried professionals and self-employed business owners must demonstrate an income of at least Rs. 6 Lakh. Alongside income, your credit history plays a vital role. The bank requires a minimum CRIF or CIBIL score of 720. Maintaining a score above this threshold indicates responsible credit behavior, ensuring a smooth approval process.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary cardholder must be exactly 21 years old or older to submit an application.
What is the maximum age limit for the primary cardholder?
The upper age limit to be eligible for this credit card is 65 years.
What is the minimum salary required for salaried applicants?
Salaried individuals must earn a minimum of Rs. 50,000 per month, which translates to Rs. 6 Lakh annually.
What is the minimum annual income for self-employed applicants?
Self-employed professionals must also show an annual income of Rs. 6 Lakh through their Income Tax Returns.
Can self-employed individuals apply for this card?
Yes, both salaried and self-employed profiles are welcome to apply, provided they meet the income criteria.
What credit score is needed for approval?
You need a minimum credit score of 720 for a successful application.
Will my application be rejected if my credit score is below 720?
Yes, a score below 720 results in an automatic rejection, as the bank strictly enforces this minimum requirement.
Do I need an existing Kotak Mahindra Bank account?
While not strictly mandatory, having an existing banking relationship often smooths out the KYC and approval process.
Can I check my eligibility before applying?
Yes, you can use online platforms to do a soft check on your eligibility without placing a hard inquiry on your credit report.
Can students apply for this card?
Students do not qualify unless they have a provable regular income of Rs. 50,000 per month and meet the 21-year age minimum.
All Card Benefits
- Earn 10% cashback on Dining (stand-alone restaurants) and Movies, combined capped at ₹600 per month; eligible on transactions up to ₹4,000; requires minimum spend of ₹10,000 on other categories in the same billing cycle
- Get 4 complimentary PVR tickets or ₹750 cashback on spending ₹1,25,000 every 6 months (maximum 8 PVR tickets or ₹1,500 cashback per year)
- Railway surcharge waiver on transactions at irctc.co.in and Indian Railways booking counters, capped at ₹500 per calendar year
Welcome Benefits and Activation
While the Kotak Delight Platinum Credit Card does not offer standard...
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Welcome Benefits and Activation While the Kotak Delight Platinum Credit Card does not offer standard...
Welcome Benefits and Activation
While the Kotak Delight Platinum Credit Card does not offer standard welcome vouchers or bonus points, there is a strict activation rule you must follow to secure your ongoing benefits. You are required to make a minimum transaction of Rs. 100 within 30 days of card issuance. If you fail to do this, you will permanently lose eligibility for the cashback rewards program on this card. For example, simply buying a Rs. 150 coffee within the first week of receiving the card ensures your reward account is active.
Dining and Food Benefits
This is where the card truly shines. You earn a flat 10% cashback on dining at standalone food outlets. To activate this perk, you need to spend a minimum of Rs. 10,000 in your current billing cycle on categories other than dining and entertainment. Let us look at a practical example. Suppose you spend Rs. 12,000 on groceries, clothing, and electronics this month. You then spend Rs. 4,000 on family dinners. You will earn a flat 10% back on that dining spend, which is Rs. 400. This cashback is credited directly to your card in the next billing cycle. The maximum combined cashback you can earn across dining and movies is Rs. 600 per billing cycle.
Movie and Entertainment Benefits
Just like the dining perk, you get a solid 10% cashback on movie ticket purchases. The same condition applies: you must clear the Rs. 10,000 base spending threshold on regular categories first. If you spend Rs. 2,000 on movie tickets for your family in a month after hitting your base target, you will see a cool Rs. 200 credited back to your next statement. Remember that the Rs. 600 monthly cap is shared between the dining and movie categories. If you earn Rs. 400 from dining, you can only earn a maximum of Rs. 200 from movies in that same cycle.
Fuel and Railway Surcharge Waivers
To help with your travel costs, the Kotak Delight Platinum Credit Card offers a fuel surcharge waiver. This waiver is valid on fuel transactions ranging between Rs. 400 and Rs. 4,000. Over a calendar year, you can save a maximum of Rs. 4,500 just on fuel surcharges. Additionally, if you take the train, the card provides a railway surcharge waiver when booking tickets on the IRCTC website or at Indian Railways booking counters.
Reward Points Structure
The Kotak Delight Platinum Credit Card operates entirely on a cashback model rather than traditional reward points. This means you do not have to worry about point valuations, expiration dates, or browsing through product catalogues. Instead of earning points per Rs. 100 spent, you focus on hitting your Rs. 10,000 base spend. Once you hit it, your dining and movie spends earn a direct 10% value back. This is highly beneficial because cash has universal value. If you maximize your Rs. 600 combined cashback every single billing cycle, you are looking at Rs. 7,200 in pure cash savings over a year.
View FAQ
Commonly Asked Questions
Do I get any bonus points when I join?
No, the card does not provide any introductory bonus points or shopping vouchers upon joining.
What is the activation requirement for this card?
You must complete at least one transaction of Rs. 100 or more within 30 days of card activation. Otherwise, you forfeit your ability to earn rewards.
Can the activation transaction be for anything?
Yes, any standard retail purchase like a quick grocery run or a mobile recharge of Rs. 100 or more will successfully activate your reward privileges.
What happens if I miss the 30-day activation window?
If you fail to make the Rs. 100 transaction within 30 days, your card will not earn any dining or movie cashback for the duration of your membership.
Is there an annual fee waiver for the first year?
No, the joining fee of Rs. 1,999 is strictly charged in the first year and cannot be waived.
How do I qualify for the 10% dining cashback?
You must first spend Rs. 10,000 in your billing cycle on regular retail categories. Spends on dining and entertainment do not count toward this Rs. 10,000 target.
What is the maximum dining cashback I can earn?
You can earn up to Rs. 600 per billing cycle combined across dining and movies. This means eligible spends up to Rs. 6,000 will maximize your 10% return.
Does dining inside a hotel count for cashback?
The bank specifies that the 10% cashback applies to standalone dining outlets. Restaurants located inside larger hotels or malls might be billed differently depending on their merchant setup.
When will I receive my dining cashback?
Your earned cashback is calculated at the end of the statement cycle and credited directly to your account in the following billing cycle.
If I spend Rs. 8,000 on groceries, do I still get dining cashback?
No, you must cross the Rs. 10,000 threshold on non-dining and non-entertainment spends to activate the 10% dining cashback for that month.
Does the 10% movie cashback apply to online bookings?
Yes, as long as the merchant category is officially registered as a movie theatre or ticketing platform, your transaction qualifies for the 10% cashback.
Is the Rs. 600 limit separate for movies and dining?
No, the Rs. 600 maximum cashback limit per billing cycle is a combined total for both your dining and movie transactions.
What happens if I spend Rs. 8,000 on movies?
Since the maximum combined cashback is Rs. 600, spending Rs. 8,000 will still only yield Rs. 600 in cashback, effectively lowering your return rate on the excess amount.
Can I buy snacks at the theatre for cashback?
Snacks billed under the movie theatre merchant code qualify for the 10% cashback. If there is a separate food counter, it falls under the dining category.
What is the minimum amount for the fuel surcharge waiver?
Your fuel transaction must be at least Rs. 400. If you buy fuel worth Rs. 300, the standard surcharge will apply without any waiver.
What is the maximum fuel transaction for the waiver?
The waiver is capped at a maximum single transaction of Rs. 4,000. Transactions above this amount will not receive the surcharge waiver.
How much can I save on fuel surcharges annually?
The bank allows a maximum fuel surcharge waiver of Rs. 4,500 in a single calendar year.
Does the railway waiver apply to online bookings?
Yes, the railway surcharge waiver applies to both IRCTC online bookings and physical Indian Railways booking counters.
What is the standard reward rate on this card?
This card does not use a standard point system. It offers a conditional 10% cashback on dining and movies after you complete Rs. 10,000 in general retail spends.
How many reward points do I earn per Rs. 100 spent?
You do not earn standard reward points on everyday purchases. Regular purchases only serve to help you cross the Rs. 10,000 threshold needed to activate the 10% cashback.
What is the value of 1 reward point in rupees?
Since this is purely a cashback card, there are no reward points to convert. You earn direct rupee value.
Do I earn cashback on fuel purchases?
No, fuel transactions are entirely excluded from earning cashback and do not count toward your Rs. 10,000 spending target.
Do I earn cashback on utility bill payments?
Utility bill payments are part of the excluded categories and will not earn cashback, nor will they count toward your base spending requirement.
Do I earn cashback on rent payments?
No, rent payments are specifically excluded from rewards and they also attract a 1% processing fee.
Do I earn cashback on insurance premium payments?
Insurance payments fall under the bank's exclusion list and will not help you earn cashback.
Are there any bonus rewards for annual spending milestones?
This specific card variant does not offer milestone bonus rewards for high annual spending.
How can I redeem my rewards?
You do not need to take any action. The earned cashback is automatically adjusted against your monthly statement balance.
What redemption options are available?
The only redemption method is automatic statement credit. There is no product catalogue or voucher system.
Is there a minimum balance required for redemption?
No, since the process is automatic, whatever eligible cashback you earn in a billing cycle is credited to the next cycle.
Is there a fee for redeeming my cashback?
No fee is charged when receiving cashback on this card. The process is entirely free and automatic.
Does my cashback expire?
Cashback cannot expire because it is immediately applied to reduce your outstanding credit card bill for the following month.
Can I transfer my cashback to my savings account?
No, the cashback is strictly applied as a credit against your credit card statement and cannot be transferred to a bank account.
Milestone Benefits
Voucher Benefit(Worth ~ ₹1,500)
Spend ₹1,25,000 in 180 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, the cashback value is adjusted in your monthly statement.
To check redemption catalogue
N/A
One of the best features of the Kotak Delight Platinum Credit Card is that you never actually have to "...
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One of the best features of the Kotak Delight Platinum Credit Card is that you never actually have to "...
One of the best features of the Kotak Delight Platinum Credit Card is that you never actually have to "redeem" anything. Because this is a pure cashback card, the bank handles the entire process automatically. When you hit your Rs. 10,000 base spend and subsequently spend on dining and movies, the system calculates your 10% cashback behind the scenes.
At the end of your statement cycle, the total earned cashback (up to the maximum of Rs. 600) is tallied up. When your next month's bill is generated, this cashback amount is directly subtracted from your outstanding balance. For example, if your new statement bill is Rs. 15,000 and you earned Rs. 500 in cashback the previous month, your actual payable amount becomes Rs. 14,500. There are no portals to log into, no conversion ratios to memorize, and zero redemption fees.
View FAQ
Commonly Asked Questions
How do I redeem the cashback I have earned?
You do not need to do anything. The cashback value is automatically adjusted in your monthly statement.
Is cashback credited automatically or do I need to request it?
It is entirely automatic. The bank credits it to your account without requiring any manual request.
How long does it take for cashback to reflect in my account?
Cashback earned in the current billing cycle will reflect as a credit in the statement generated for the immediate next billing cycle.
What can I redeem my rewards for?
This card does not feature a catalogue. Your reward is purely cash credit applied to your bill.
Is there a minimum cashback balance needed before I can redeem?
No, whatever eligible cashback you earn, even if it is just Rs. 50, will be automatically credited to your next statement.
Is there a fee for redeeming my cashback?
No fee is charged when redeeming rewards on this card since the cashback application is automatic.
Do my cashback credits expire?
No, because they are applied immediately to your next bill, there is no chance for them to accumulate and expire.
What happens to my unredeemed cashback if I close the card?
If you close the card before the next billing cycle generates, any pending cashback that hasn't been credited yet will be forfeited.
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
EMI Transactions
Cash Withdrawals
Wallet Transactions - Load Money
GST Charges
All Reversals
Gambling
Railways
Utility Bill Payments
Rent Payments
Insurance
Jewellery
School & Educational Services
Government related transactions
Tolls
Security Broker Services
Charity
Balance Transfer
Financial Charges
For Spends Waiver
Fuel
EMI Transactions
Cash Withdrawals
Wallet Transactions - Load Money
GST Charges
All Reversals
Gambling
Railways
Utility Bill Payments
Rent Payments
Insurance
Jewellery
School & Educational Services
Government Related Transactions
Tolls
Security Broker Services
Charity
Balance Transfer
Financial Charges
To avoid disappointment, you must understand exactly what the bank excludes from its rewards program. T...
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To avoid disappointment, you must understand exactly what the bank excludes from its rewards program. T...
To avoid disappointment, you must understand exactly what the bank excludes from its rewards program. The Kotak Delight Platinum Credit Card has a very strict list of exclusions. Transactions falling into these categories will not earn the 10% cashback, and crucially, they will not count toward your Rs. 10,000 base spending requirement.
The excluded categories include Fuel, EMI Transactions, Cash Withdrawals, Wallet Transactions (loading money into Paytm, Amazon Pay, etc.), GST Charges, All Reversals, Gambling, Railways, Utility Bill Payments (electricity, water), Rent Payments, Insurance premiums, Jewellery purchases, School & Educational Services, Government related transactions, Tolls, Security Broker Services, Charity, Balance Transfers, and Financial Charges. For example, if you pay a Rs. 15,000 school fee using this card, it will not count toward your Rs. 10,000 target to unlock the dining cashback.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
Excluded categories include fuel, EMI, cash withdrawals, wallet loads, rent, utilities, insurance, jewellery, education, government payments, and railway bookings.
Are fuel transactions excluded from earning rewards?
Yes, fuel transactions are completely excluded from earning cashback and do not help you reach the Rs. 10,000 target.
Does paying rent with this card earn cashback?
No, rent payments are explicitly excluded from rewards. Additionally, you will be charged a 1% fee for the transaction.
Are insurance premium payments excluded from rewards?
Yes, paying your life or health insurance premiums will not earn any cashback on this card.
Do wallet top-ups earn rewards on this card?
Loading money into digital wallets is excluded from all reward benefits.
Are education or school fee payments excluded?
Yes, any payment made to schools, colleges, or educational institutions is blocked from earning cashback.
Are utility bill payments such as electricity excluded?
Utility payments do not earn cashback and will not count toward your monthly Rs. 10,000 base spend requirement.
What happens if I accidentally make a payment in an excluded category?
The transaction will go through normally, but you will not earn any cashback for it, nor will it count toward your monthly target.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.5% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 42%
| 3.50% |
ATM withdrawal 3% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹300, if applicable). | 3% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees No cheque payment fee is charged | N/A |
Cash Payment Fees ₹110 cash payment fee per deposit | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹100 |
| ₹501 – ₹10,000 | ₹500 |
| Above ₹10,000 | ₹700 |
Before committing to the Kotak Delight Platinum Credit Card, it is vital to understand the full landsca...
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Before committing to the Kotak Delight Platinum Credit Card, it is vital to understand the full landsca...
Before committing to the Kotak Delight Platinum Credit Card, it is vital to understand the full landscape of charges you might face. While the annual fee is quite low, certain transaction types carry heavy penalties that can quickly erase your cashback gains.
The joining fee for this card is Rs. 1,999. This is a one-time fee charged on your first statement, and the bank does not offer any welcome benefits to offset this cost. For example, your very first bill will include Rs. 1,999 plus 18% GST (Rs. 359.82), totaling Rs. 2,358.82 just to start using the card.
The annual fee or renewal fee is a very reasonable Rs. 299 plus GST. This is charged from the second year onwards. Crucially, the bank does not provide any spend-based waiver for this fee. Even if you spend Rs. 5 Lakhs in a year, you will still have to pay the Rs. 299 charge on your card anniversary.
If you fail to pay your total outstanding balance by the due date, an APR (Interest Rate) of 3.75% per month applies. This translates to a massive 45% annually. For example, if you carry forward a balance of Rs. 10,000, you will be charged Rs. 375 in interest for just one month. Always pay your full bill to avoid this trap.
Late payment charges are applied based on your outstanding balance. The fee slabs are: Rs. 0 for balances up to Rs. 500; Rs. 500 for balances between Rs. 501 and Rs. 5,000; Rs. 750 for balances between Rs. 5,001 and Rs. 10,000; and Rs. 1,200 for balances above Rs. 10,001. If your bill is Rs. 6,000 and you miss the payment date, a flat penalty of Rs. 750 will be added to your account.
For international transactions, a forex markup fee of 3.5% is charged. If you travel abroad and spend USD 100 (roughly Rs. 8,300), the bank will charge an extra 3.5%, meaning you will pay an additional fee of Rs. 290.50 on that transaction.
An ATM cash withdrawal fee of 2.5% of the withdrawn amount is applied if you use the card to pull cash, subject to a minimum of Rs. 500. For example, if you withdraw Rs. 10,000, 2.5% is Rs. 250, but since the minimum is Rs. 500, you will be charged Rs. 500.
Paying your rent using this credit card attracts a rent payment fee of 1% of the transaction amount. If you pay your landlord Rs. 20,000 through a rent payment portal, the bank will add a Rs. 200 convenience fee to your statement.
A railway booking surcharge of 1.80% for online transactions and 2.50% for offline bookings is applied to ticket purchases. If you buy a train ticket for Rs. 2,000 offline, a Rs. 50 surcharge is applied. However, this card does provide a waiver for this specific surcharge to offset the cost.
If you prefer to walk into a branch and pay your credit card bill using hard currency, a cash payment fee of Rs. 175 is applied to your account. To avoid this, simply pay your bill online via NEFT, UPI, or net banking.
Fortunately, if you drop a physical check to clear your dues, there is a cheque payment fee of Nil. You will not be charged extra for this payment method.
When it is time to enjoy your earnings, the reward redemption fee is Not Applicable. No fee is charged when your cashback is automatically adjusted against your statement balance.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 1,999 |
| Annual Fee | Rs. 299 (No Waiver) |
| Interest Rate (APR) | 3.75% per month |
| Late Payment Fee | Rs. 0 to Rs. 1,200 (based on balance) |
| Forex Markup | 3.5% |
| Cash Withdrawal | 2.5% (Min Rs. 500) |
| Rent Payment Fee | 1% |
| Cash Payment Fee | Rs. 175 |
| Redemption Fee | Nil |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 1,999 plus taxes, billed in your first statement.
What is the annual or renewal fee?
The annual renewal fee is Rs. 299 plus taxes.
Is there an annual fee waiver based on spending?
No, there is no spend threshold that will waive the Rs. 299 annual fee.
How can I get this card lifetime free?
This card variant does not offer a lifetime free condition based on standard rules.
What is the interest rate if I don't pay my full balance?
A high interest rate of 3.75% per month is applied to any unpaid balances.
How is the interest calculated on outstanding balances?
Interest is calculated daily on the outstanding amount from the date of the transaction until it is fully paid off.
What are the late payment charges?
Late fees range from Rs. 0 for small balances up to Rs. 1,200 for outstanding balances above Rs. 10,001.
Is the late payment fee different based on outstanding amount?
Yes, it follows a slab structure: Rs. 500 for balances up to Rs. 5K, Rs. 750 up to Rs. 10K, and Rs. 1,200 above Rs. 10K.
What is the forex markup for international transactions?
The bank charges a 3.5% markup fee on all transactions made in a foreign currency.
Can I withdraw cash using my credit card?
Yes, but it is penalized with a 2.5% cash advance fee.
What are the cash withdrawal charges and limits?
The fee is 2.5% of the withdrawn amount, subject to a strict minimum charge of Rs. 500.
What happens if I spend more than my credit limit?
Over-limit transactions are either declined or approved with an over-limit penalty fee of Rs. 500 or 2.5% of the over-limit amount.
Are there fees for paying rent with this card?
Yes, a 1% convenience fee is applied to the total transaction amount when paying rent.
Is there a fee for paying my bill in cash?
Yes, making a physical cash payment at a branch will cost you a Rs. 175 processing fee.
Is there a fee to redeem my reward points?
No, the cashback is adjusted to your statement automatically with zero redemption fees.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
What identity documents are accepted?
You can submit your PAN card, Aadhaar card, Passport, or Voter ID as valid identity proof.
What can I use for address proof?
Acceptable address proofs include your Aadhaar card, Passport, latest utility bills, or a registered rent agreement.
What income proof is required for salaried employees?
Salaried applicants must provide their latest 2 months' salary slips and recent bank statements showing salary credits.
What income proof is required for self-employed applicants?
Self-employed individuals need to submit their latest Income Tax Returns (ITR) along with computation of income and business continuity proof.
Is a physical PAN card mandatory for Video KYC?
Yes, you must show your original physical PAN card to the camera during the Video KYC process. E-PANs are not accepted.
Do I need to submit physical photographs?
If you apply online via Video KYC, a live photo is captured. Physical photos are only needed if you apply offline at a branch.
Who Should Get This Card?
Let us look at two different user profiles to see if the Kotak Delight Platinum Credit Card makes sense for you.
Profile A: The Weekend Socializer
Rohan earns Rs. 60,000 a month. He easily spends Rs. 15,000 on groceries, petrol, and clothes every month. On weekends, he takes his family out for dinner and a movie, spending about Rs. 5,000. Because he crosses the Rs. 10,000 base spend on regular shopping, his weekend outings earn him a flat 10% back. This card is an absolute perfect match for Rohan.
Profile B: The Online Shopper
Priya loves shopping on Amazon and ordering food via Swiggy. She rarely eats out at physical restaurants. If Priya gets this card, she will struggle to get value. The 10% cashback only applies to standalone dining, not delivery apps. Priya should skip this card entirely and look at a Swiggy HDFC or SBI Cashback card instead.
Credit Limit and What to Expect
Your credit limit is not pre-set; it is entirely determined by your financial profile. When the bank reviews your application, they look at your Rs. 50,000 monthly income, existing debts, and your credit score of 720 or above. New cardholders receive a starting limit of one to two times their monthly salary. As you use the card responsibly and clear your dues on time, the bank periodically reviews your account and offers limit enhancements.
View FAQ
Commonly Asked Questions
What credit limit will I get on this card?
The bank determines your credit limit based on your income and credit history, with initial limits ranging from Rs. 50,000 to Rs. 1.5 Lakh.
Can I request a higher credit limit right away?
No, you must wait 6 months and show a strong repayment history before requesting a limit increase.
Does spending my full credit limit hurt my score?
Yes, consistently using more than 30% of your available credit limit can negatively impact your credit score over time.
Can I transfer limit from another Kotak card?
Banks allow you to share or transfer limits between cards, which you can arrange through customer care.
How do I accept a pre-approved limit increase?
If offered, you can instantly accept a limit increase through the bank's mobile app or internet banking portal.
What happens if I spend more than my credit limit?
The transaction may be declined, or if approved, an over-limit fee of Rs. 500 or 2.5% of the over-limit amount will be charged.
How to Apply?
Applying for the Kotak Delight Platinum Credit Card is a fully digital process. Start by visiting the official bank website or a trusted partner platform. You will need to enter your basic personal details, employment information, and PAN number. The system will perform an instant check on your credit score and income eligibility.
If you meet the criteria, you will be prompted to complete a Video KYC call. This process involves a bank executive verifying your original PAN card over a live video feed. Make sure you are in a well-lit room with a stable internet connection. Once your Video KYC is complete, the final approval typically takes a few working days, and the physical card is dispatched to your registered address.
View FAQ
Commonly Asked Questions
Where can I apply for this credit card?
You can apply online through the official bank website, partner platforms, or by visiting a physical branch.
Is Video KYC mandatory?
Yes, Video KYC is standard practice for online applications to verify your identity without needing physical paperwork.
What do I need for a successful Video KYC call?
You need a blank piece of paper, a blue or black pen for a live signature, and your original physical PAN card.
How long does the approval process take?
Once your Video KYC is verified, final approval takes 5 to 7 working days.
How can I track my application status?
You will receive an Application Reference Number via SMS. You can use this number on the bank's tracking portal to see your status.
What happens if my Video KYC fails?
If the video call disconnects or fails, you will be given an option to reschedule or complete physical KYC through a bank representative.
Can I apply if my current address is different from my Aadhaar?
Yes, but you will need to provide valid alternative address proof like a recent utility bill or rental agreement during the application.
That’s the full story of this credit card
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Top Benefits
Top Benefits
Earn 10% Cashback
on movie theatre and entertainment spends for transactions up to ₹4,000, with a combined cashback cap of ₹600 per month across dining and movies, subject to ₹10,000 spend on other categories in the same billing cycle
Get Free PVR Tickets
or ₹750 cashback on spending ₹1,25,000 every 6 months, with a maximum of 8 free PVR tickets or ₹1,500 cashback per year
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