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Entertainment, eating out, travelling – these are the few things that help us escape the humdrum of everyday life. And now, with the Kotak Delight Platinum Credit Card, each of these experiences, and many others, will be even more delightful. Enjoy unmatched cashback, surcharge waivers and many other benefits, all rolled up into one card.
10% Cash-Back on Dining
10% Cash-Back on Movies
Fuel Surcharge Waiver
Railway Surcharge Waiver
Explore more credit card options that best suit your needs.
Save up to Rs. 12,400 every year on Kotak Delight Platinum Credit Card
|Credit Card expenses||Savings -Year 1||Savings -Year 2 and onwards|
|10 % cash-back on Dining and Movies on a monthly spend of Rs. 6,000*||7,200*||7,200*|
|Milestone Benefit of 8 PVR Tickets on spending Rs. 1,25,000 every 6 months **||2,000**||2,000**|
|Fuel Surcharge waiver on a monthly spend of Rs. 10,000***||1200***||1200***|
|Railway Surcharge Waiver on a monthly spend of Rs. 2,000****||240****||240****|
|Total Savings in a Year||12,700||12,700|
|Joining fee# (applicable only in the 1st year)||1,999#||0|
|Net Savings in a Year after paying the Fees||8,641||10,341|
Explore more credit card options that best suit your needs.
* A maximum Cash-back of Rs. 600 including both Dining & Entertainment transactions will be given in a monthly billing cycle. Dining & Movie Transactions up to Rs. 4000 are eligible for cash-back. Cash-back for a particular billing cycle will be credited in the next month billing cycle . Cash-back is offered on transactions undertaken at only those Merchant Establishments which are classified under the "Restaurants & Entertainment" Merchant Category Code (MCC) as defined by VISA
** For calculation purpose the average PVR movie ticket price has been taken as Rs. 250.
***Fuel Surcharge waiver is applicable on all transactions between Rs. 400 and Rs. 4000. Maximum fuel surcharge waiver allowed in a calendar year is Rs. 4500.
**** Maximum railway surcharge waiver allowed in a calendar year is Rs. 500.# Joining Fees of Rs. 1999 is applicable in the 1st Year and charged one time at the beginning of the year .It is billed in the 1st statement generated after credit card set up in the 1st Year. + Annual fee of Rs. 299 is applicable from the 2nd Year onwards and charged at the beginning of the year. It is billed in the 13th statement generated after credit card set up in the 2nd Year and every 12 months thereafter.
A person needs to meet the below criteria to be eligible for the Credit Card:
|Fee & other Parameters||Delight|
|Joining Fees||Rs. 1999|
|Annual Fees||Rs. 299|
|Condition for waiver of Annual Fees - First Year||NA|
|Condition for waiver of Annual Fees - Second Year||NA|
|Addon card Fees||Rs. 299|
|Interest Charges on outstanding Balances||3.50% (Annualized 42%)|
|Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)||MAD can be 5% or 10% of TAD as decided by the Bank|
|ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof||Rs. 300|
|Late Payment Charges ("LPC")||Rs. 100 for statement o/s less than or equal to Rs. 500|
|Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10,000|
|Rs. 700 for statement o/s greater than Rs. 10,000|
|Over Limit Charge||Rs. 500|
|Cheque Bounce Charges||Rs. 500|
|Foreign Currency Mark Up||3.5%|
|Railway Booking Surcharge (1.8%/2.5% on transaction amount)*||Waived|
|Fuel Surcharge (1% on transaction)**||Waived|
|Fee for Cash payment at Bank||Rs. 100|
|Outstation Cheque Processing Fee||Waived|
|Reissue/ Replacement Card (per issunace)||100.0|
|Charge Slip Request||Waived|
|Machine Surcharge at ATMs||Waived|
|Balance Enquiry Charges at Non Parent Bank ATM||Waived|
|Duplicate Statement Request||Waived|
|Web Pay Service Fee||Waived (effective 10th JAN,2014)|
|Furnishing a copy of Credit Information Report (CIBIL)||Rs. 50|
|GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card|
|*Maximum Railway surcharge waiver of Rs. 500 in a calendar year|
|** Fuel surcharge to be waived only for transactions between values of Rs. 400 - Rs. 4000. Maximum Fuel surcharge waiver of Rs. 4500 in a calendar year|
Don’t be put off by the term ‘credit’. If used wisely, credit cards are a convenient tool to manage your short-term financing needs. A credit card is a financial tool that lets you borrow a certain sum of money and repay it back later in instalments. An interest is charged only if the credit amount is not repaid within the grace period which usually ranges between 20 to 60 days. Whether you want to make online payments or swipe the card at a restaurant, everything is possible with a credit card. Besides allowing you to borrow funds conveniently, credit cards also offer a host of benefits such as reward points, cashbacks, frequent flyer miles, credit score etc. A credit card is certainly a must-have item in your wallet.
At Kotak Mahindra Bank, we understand the diversity of our customer’s needs. Hence Kotak Bank offers a wide range of credit cards based on your buying preferences. We have categorized our credit card rewards centred on your preferences such as entertainment, shopping, dining, travel and lounge access. Depending on your purchase inclinations, you are free to choose a credit card that earns you extra points on the things that matter the most to you. So go ahead, explore and compare our wide assortment of credit cards in order to find the perfect match. Once you find the right credit card, you will be able to earn as you spend!
A credit card is a transactional card that enables the holder to make purchases of goods and services or withdraw advance cash on credit. It is issued by banks and financial institutions to bring convenience of payment. Credit cards act as a micro loan tool where the individual makes purchases under the condition of paying off the same within a specific time period. There are no interest payouts if the due amount is paid within a specific time (interest-free period). A custom borrowing limit is pre-set by the issuer and this determines the maximum amount of credit a user can spend from a credit card. Credit card brings users the opportunity to save big through discounts and deals, making it a popular choice.
A debit card lets you withdraw money that you have previously deposited into your bank account. It is linked to your account and is offered as an add-on facility by banks and financial institutions. A credit card on the other hand, lets you make spends on the terms of a short term loan. The bank enables you to make transactions to a given limit. Rather than having to make repayments on per use basis, there is a bill generated of the total repayment due at the end of each billing cycle.