Delight Platinum Credit Card
Every experience made delightful with incomparable features and benefits
Be it an article you were reading, a product you were exploring or a journey you left unfinished, starting from where you left off is simpler than you can imagine. Just register for ‘Everything Me’ using any of your social media accounts and you are all set.
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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
|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||0.035|
|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)||Rs. 100 (Effective 22nd Feb, 2014)|
|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) (Effective 5th April)||Rs. 50|
|Service tax & education cess, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on you 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. 500 - Rs. 3000. Maximum Fuel surcharge waiver of Rs. 3500 in a calendar year|
|^Fuel surcharge for Delight and Privy League to be waived only for transactions between values of Rs. 400 - Rs. 4000. Maximum Fuel surcharge waiver of Rs. 4500 in a calendar year|
|***Effective 15th June'2015 , the revised LPC slab willl be as below -|
|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)|
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|
* 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.
Kotak Credit Cards symbolize the following guiding principles:
Kotak Credit Cards are simple to understand and use. We have taken special care to make them hassle free so that you can spend time on more important things in life that require your attention.
Kotak Credit Cards are transparent in communicating upfront what the card offers and what you would have to spend for it, if at all. We have taken care that there will be no hidden charges associated with this card.
Kotak Credit Cards have understood what you need the most from your credit card, and have been designed to give you only those benefits that are most relevant for you.
This promise from Kotak ensures that you only get the best from your credit card!
The Kotak Delight Platinum Card has been specifically designed for the High Income or High Net Worth individuals. We have kept in mind your lifestyle requirements and the relevant benefits so that you could derive the maximum out of it.
The Kotak Delight Platinum Credit Card is a VISA Platinum Card.
Only Kotak Delight Platinum Card offers you a unique every time & every where advantage - 10% cashback on dining & movies. We give you the freedom to choose the restaurant you wish to dine at or a movie theatre you like to go to and avail of the cashback every time you use the Kotak Delight Platinum Card.
The Joining fee for Delight Platinum Credit Card is Rs. 1999
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 card set up in the 1st Year.
The Annual fee for Delight Platinum Credit Card is Rs. 299
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 card set up in the 2nd Year and every 12 months thereafter.