Credit Card - Delight Platinum Credit Card for Dining and Movies by Kotak Mahindra Bank

Home

Services

Products

Help

Get App

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
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)

For milestone benefits, all transactions settled during milestone period will be considered. Example- Milestone period is 1st Jan 2021 to 30th June 2021, then the transactions settled till 30th June 2021 will be considered for milestone benefits”. Any transaction settled after 30th June 2021 will be considered in next milestone period.

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

Disclaimer: Dear Customer, we have discontinued this product for new sourcing, and same is only displayed for existing Essentia cardholders. We are sure that our large bouquet of active products with attractive features and offers will match your expectation. Thankyou for understanding.

Visa payWave

Introducing a fast way to pay.Visa payWave offers a fast, safe and secure way to pay. Just wave your Kotak Visa payWave Credit Card and pay for transactions up to Rs. 2000 without a PIN
- Visa payWave Credit Card and pay for transactions up to Rs. 2000 without a PIN.
- Contactless payments are safe and secure
  - You don't need to enter your PIN - just wave your credit card on the reader*
  - The credit card never leaves your hand, reducing the risk of credit card loss or counterfeit
  - Payments supported by multiple layers of security, which ensures that you are safe from fraudulent or unauthorized transactions.
How does the PayWave Credit Card work?
- Step 1: Look for the Visa PayWave mark and contactless logo at the point of sale.
- Step 2: The cashier enters your purchase amount into the terminal. This amount will be displayed on the contactless reader.
- Step 3: Tap your credit card over the POS at close range (less than 4 cm from where the contactless logo appears).
- Step 4: Four green indicator lights or a beep sound will indicate when the transaction is complete. A message will also be displayed on the screen indicating the transaction is complete. No PIN is required.
- *Please note that the requirement for PIN entry on the POS terminal at the merchant outlet is a function of country specific regulations and is subject to change. PIN input is not mandated for purchases below the permissible local limit.
- Please note that the permissible transaction limit for usage of credit cards in contactless mode in India is mandated by RBI and may change from time to time based on the latest regulations. As per RBI notification on Additional Factor authentication for contactless transactions dated May 14, 2015, PIN input is not required on the POS terminal at the merchant outlet for contactless transactions up to a maximum value of Rs. 2,000 per transaction. Additionally, beyond this transaction limit, (above Rs. 2,000) the card has to be processed in Chip & PIN mode and authentication with PIN is mandatory.

Explore more credit card options that best suit your needs.

Value Chart

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
Annual Fees+	0	299+
Net Savings in a Year after paying the Fees	8,641	10,341

Explore more credit card options that best suit your needs.

Disclaimer

* 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.

Fees & Charges

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%)
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)
Please Note:
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

Understand the value chart for the Delight Platinum Credit Card.
Explore more credit card options that best suit your needs.

Credit Card Services

Credit Cards Guide

What’s New?

Delight Platinum Credit Card

Delight Platinum Credit Card

Visa payWave

Value Chart

Disclaimer

Eligibility Criteria

Fees & Charges

Related Products

Kotak 811 Credit card

League Platinum Card

Mojo Platinum Credit Card