Features

Delight Platinum Credit Card

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

Delight Shield

10% Cash-Back on Dining
- Spend a minimum of Rs.10,000 using your Delight Platinum Credit Card on categories other than dining and entertainment within the billing cycle to avail 10% cash-back on dining (stand-alone outlets) every month
- EASY ACCESS
  - Anywhere: Coffee Shops | Fast food joints| Pizza joint | Pubs | Restaurants
  - Anytime : 365 Days
  - 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 "Restaurant" Merchant Category Code (MCC) as defined by VISA
10% Cash-Back on Movies
- Spend a minimum of Rs. 10,000 on categories other than dining and entertainment within the billing cycle to avail 10% cash-back on movies every month
- EASY ACCESS
  - Anywhere: Movie Theatres | Plays
  - Anytime : 365 Days
  - 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 "Entertainment" Merchant Category Code (MCC) as defined by VISA
Fuel Surcharge Waiver
- Applicable on transactions between Rs. 400 and Rs. 4000.
- Maximum fuel surcharge waiver allowed in a calendar year is Rs. 4500.
Railway Surcharge Waiver
- Save railway surcharge waiver for transactions on www.irctc.co.in and for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500/-
Milestone Feature
- 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
- You can claim your PVR tickets within 3 months after the program period gets over
Delight Shield
- In case your Credit Card is stolen, you get a cover of Rs. 1,25,000 against fraudulent usage upto 7 days pre-reporting.
- You are required to immediately call Customer Contact Center (1860 266 2666) and get your credit card deactivated / blocked to prevent misuse and register a claim with the Insurance Company
Add-on Card
- Your Add-on Card will have all the benefits that you enjoy on your Credit Card
- Set the spend limit on your Add-on Card as you desire
- Track spends separately for each of your Add-on Card(s)

Check your eligibility for the Delight Platinum Credit Card.
Explore more credit card options that best suit your needs.

Frequently Asked Questions

What is a Credit Card?

A credit card is a transactional card that enables the holder to make purchases of goods and services or withdraw advance cash on credit.

Banks and financial institutions issue it to bring the convenience of payment. Credit cards act as a microloan 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). The issuer pre-sets a custom borrowing limit, determining the maximum amount of credit a user can spend from a credit card. Credit cards allow users to save big through discounts and deals, making them popular.

Why is a Credit Card Important?

Credit cards are a convenient tool for managing your short-term financing needs. A credit card lets you borrow certain money and repay it later in instalments.

Interest is charged only if the credit amount is not repaid within the grace period, which ranges between 20 to 60 days. Besides allowing you to borrow funds conveniently, credit cards also offer a host of benefits such as reward points, cashback, frequent flyer miles, credit scores, etc. A credit card is certainly a must-have item in your wallet.

How to Apply for a Credit Card?

Credit cards in India have become a popular payment method. More than half the population owns instant-approval credit cards. To get a credit card, apply online using the following steps:

● Visit Kotak Mahindra Bank’s website

● Check your credit card eligibility

● Fill out the online application form and submit it

● Track your application status online

Why Should you apply for a Kotak Bank Credit Card?

At Kotak Mahindra Bank, it is easy to understand how to apply for a credit card.

We understand that each buyer has different needs, so we offer as many kinds of credit cards in India as you can. We have categorized our credit card rewards to suit your preferences, such as entertainment, shopping, dining, travel and lounge access. Depending on your purchase inclinations, you can choose a credit card that earns you extra points on the things that matter the most. So go ahead, explore and compare our wide assortment of credit cards to find the perfect match. Once you find the right credit card, you can earn as you spend!

Am I eligible for a Credit Card?

Here are the eligibility criteria for a credit card:

● For the Royale Signature Credit card, League Platinum Credit card, Delight Platinum Credit card, Essentia Platinum Credit card, PVR Platinum Credit card, PVR Gold Credit card, and Urbane Gold Credit card primary applicant must be in the age bracket of 21 – 65 years.

● For 811 Dream different Credit card, NRI Royale Signature Credit card, the primary applicant should be in the age bracket of 18 years to 75 years.

● Must be an Indian resident

● Must be a salaried employee or self-employed (With income proof)

● Must meet the income requirement set by the bank

● Must be a resident of the serviceable locations within India

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