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What is Kotak Delight Platinum Credit Card?

While credit cards are a convenient mode of payment, life becomes even easier with a credit card designed specifically to meet your lifestyle needs. If you are someone who loves travelling, eating out and watching movies with the in-theatre experience, then Kotak Mahindra Bank has the perfect credit card for you.

The Kotak Mahindra Delight Platinum credit card has been specifically created not only to make your dining, movie and entertainment experiences easier to pay for, but also to give you a little something extra in return. Here’s what you need to know about the Delight Platinum credit card.

Kotak Delight Platinum Credit Card Features & Benefits

As a Kotak Mahindra Delight Platinum credit card holder, you are eligible to receive a number of lucrative features and benefits, especially when it comes to expenses related to outings and other fun activities. You can use the Delight Platinum credit card to conveniently pay for a variety of experiences and let you avail various offers while at it.


Here’s a look at some of the best features and benefits of the Kotak Mahindra Delight Platinum credit card.

  • Ease of Payment: The Kotak Bank Delight Platinum card also has a distinct advantage - it is designed to be incredibly easy to use at your favourite outlets and experiences. This means that paying at coffee shops, restaurants, movie theatres, pubs and fast food joints is easier than ever with the Delight Platinum credit card.

  • Offers on Dining: The Delight Platinum Kotak credit card offers a 10% cash-back on dining at stand-alone outlets. This feature can be availed by the cardholder every month provided that there is a minimum expenditure of Rs. 10,000 using the card on categories other than dining and entertainment.

  • Offers on Movie Theatres: Apart from dining, this Kotak credit card also offers a 10% cash-back on movies every month. To avail this feature, it is required to make a minimum expenditure of Rs. 10,000 using the card on categories other than dining and entertainment.

  • Other Cash-back Offers: Aside from the two cash-back offers mentioned above, the Kotak Mahindra Delight Platinum credit card also offers a cash-back of up to Rs. 600 on both dining and entertainment transactions of up to Rs. 4000, on a monthly basis. This cash-back is credited in the following month’s billing cycle.

  • Fuel Surcharge Waiver: The Kotak Bank Delight Platinum card also offers surcharge waivers on fuel transactions of up to Rs. 4500 in a year. The waiver is applicable on transactions ranging between Rs. 400 and Rs. 4000.

  • Railway Surcharge Waiver: If you are planning to book train tickets in a year, the Kotak Delight Platinum card can help you with those transactions as well. The card offers surcharge waivers of railway bookings made on Indian Railways Booking Counters as well as online on their official website. The maximum waiver amount in a year is Rs. 500/-

  • Delight Shield: One of the greatest benefits of the Kotak Bank Delight Platinum credit card is the Delight Shield feature. If your card gets stolen, this feature provides you with a cover of Rs. 1,25,000 for wrongful usage.

Kotak Delight Platinum Credit Card Fees & Charges

Like all credit cards, the Kotak Delight Platinum credit card comes with its own set of fees of charges, which are as listed below:

Type of Fee/Charge

Amount (Rs.)

Annual fee


Joining Fee


ATM Cash Withdrawal / Fund Transfer Charge (per Rs. 10,00)


Add-on Card Fee 


Interest on Outstanding Balance

3.5% per month

Foreign Currency Mark-up

3.5% per month

Late Payment Fee

  • Outstanding balance <= Rs.500: Rs.100

  • Outstanding balance between Rs.500 and Rs.10,000: Rs.500

  • Outstanding balance > Rs.10,000: Rs.700

Over Limit Charge

Rs. 500

Charges for Bounced Cheque


Charges for Cash Payment


Replacement of Card/Reissue of Card


Kotak Delight Platinum Credit Card Rewards

The Kotak Delight Platinum Credit Card has been designed to make it easier and more convenient to pay for delightful experiences such as dining, movies and other fun activities. As a result, it offers special offers and rewards when you make transactions at restaurants, pubs, movie theatres, pizza joints and various outlets.


As mentioned above, making expenditures for dining and movies with the Kotak Delight Platinum credit card can make the card holder eligible for cash-back of up to 10%. The card can be used in any food outlet and movie theatre of your choice and can also be used internationally. Apart from this, the cardholder can also enjoy surcharge waivers on transactions relating to fuel as well as railway bookings.


Aside from these benefits, you can also avail special incentives on reaching specific expenditure milestones. One such useful milestone rewards you with four free PVR tickets on a yearly expenditure of Rs. 1,50,000 made with Delight Platinum credit card. You can also choose to avail this reward in the form of cashback worth Rs. 750.

Kotak Delight Platinum Credit Card Eligibility Criteria

Before applying for a Kotak Delight Platinum credit card, it might be helpful to check the eligibility criteria set out by the company. Here are the criteria a cardholder must meet to qualify for the Delight Platinum credit card:

  • The cardholder must be a resident of India.

  • The cardholder must be between 21 and 65 years of age. Meanwhile, any add-on cardholder must be above the age of 18.

  • The cardholder must be located in one of the following cities to be eligible: Ahmedabad, Chennai, Chandigarh, Bangalore, Chennai, Delhi (including Noida and Gurgaon), Mumbai, Hyderabad, Navi Mumbai, Kolkata or Pune.

  • In order to qualify, the cardholder’s yearly income must be Rs. 3 Lakhs or above.

How to Apply for Kotak Delight Platinum Credit Card?

While you cannot apply for the Kotak Delight Platinum credit card on the Bajaj Markets website, you can do so through the Kotak Mahindra bank website in a few simple steps:

  • Begin your application process for the Kotak Delight Platinum card by visiting the official Kotak Mahindra Bank website.
  • On the website, go to the section for Credit Cards. From the list of credit card products mentioned here, select ‘Delight Platinum Credit Card’.
  • Click on the ‘Apply Now’ option. This will lead you to a page where you can fill out a form with the required details.
  • It is prudent to go through the eligibility criteria beforehand so as to make the process as hassle-free as possible.


If you do not wish to apply for the Kotak Delight Platinum credit card online, you can also go to the nearest Kotak Mahindra branch to carry out the application process offline.

How to Reach Kotak Delight Platinum credit card customer care?

For any queries or concerns relating to the Kotak Delight Platinum credit card, you can reach out to the Kotak credit card customer care team for credit cards by calling the following number: 1860 266 2666.


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. 

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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The Kotak Delight Platinum credit card is a specialised credit card offered by Kotak Mahindra Bank to make expenses related to dining, movies and entertainment, easier and more convenient. The card also offers cash-back offers and surcharge waivers on fuel and railway bookings.

On exceeding the spending limit for the Delight Platinum credit card, you will be charged a Rs. 500 over-limit fee. 

You can view your Kotak Delight Platinum Credit card statement here: https://kapps.kotak.com/CCPreLogin/Statement/statement



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