Kotak Delight Platinum Credit Card

The features and benefits provided by Kotak Delight Platinum Credit Card are:

Dining Offers – Users get 10% cashback on dining spends if they spend over Rs. 10,000 in categories other than dining and entertainment within the billing cycle. Users can get maximum cashback of Rs. 600 in a billing cycle. Earned cash back limit is shared between dining and entertainment spends

Movies Offer – Customers get 10% cash back on movie spends if they spend Rs. 10,000 in any category except dining and entertainment within a billing cycle. The maximum cash back that can be earned per billing cycle is Rs. 600. The earned cash back cap is shared between dining and entertainment transactions

Fuel Surcharge Waiver – Users get surcharge waiver on fuel up to Rs. 4500 in a year. The offer is applicable on all fuel purchases where the amount spent is between Rs. 400 and Rs. 4000

Milestone Feature – On spending Rs. 1.25 lakh every 6-month users get 4 free PVR tickets or Rs. 750 cashback

Railway Surcharge Waiver – Users get a maximum railway surcharge waiver of Rs. 500 annually

Also Read- Top Fuel Credit Cards

The fees and charges associated with this credit card are:

Category	Amount
Joining Fees	Rs. 1,999
Annual Fees	Rs. 299
Add-on card Fees	Rs. 299
Finance Charges	3.50% per month/ 42%p.a.
Minimum Amount Due (MAD)	Between 5% and 10% of Total Amount Due
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance Fee per Rs. 10,000	Rs. 300
Late Payment Charges (“LPC”)	Rs. 100 for amount less than or equal to Rs. 500. Rs. 500 for amount between Rs. 500.01 & Rs. 10,000 Rs. 700 for amount greater than Rs. 10,000
Over Limit Charge	Rs. 500
Cheque Bounce Charges	Rs. 500
Foreign Currency Mark Up	3.5% of the amount
Cash payment Fee	Rs. 100
Card Replacement Fee	Rs. 100.0
CIBIL – Credit Information Report	Rs. 50

The eligibility criteria for Kotak Delight Platinum Credit Card are:

• Only Indian Nationals can apply
• Add-on cardholder should be at least 18 years of age
• Applicant must be aged between 21 to 65 years of age
• Applicant must be resident in any of the following cities: Bangalore, Chandigarh, Chennai, Ahmedabad, Gurgaon (Gurugram), Noida, Kolkata, Mumbai, Delhi, Navi Mumbai, Hyderabad, and Pune

What is the annual fee charged on this credit card?

The annual fee charged on this credit card is Rs. 299.

Is there a joining fee associated with this credit card?

Yes, customers will have to pay a joining fee of Rs. 1,999 to avail Kotak Delight Platinum Credit Card.

What offers are available on this credit card?

Users get 10% off on dining and movie transactions. Besides this users also get surcharge waiver on fuel and railway ticket bookings.

What is the interest rate charged on this credit card?

The interest rate charged on this credit card is 3.50% per month/42% per annum.

Credit Card	Annual Fee	Reward Points	Net Savings
Kotak Delight Platinum Credit Card	Rs.299	Get a maximum railway surcharge waiver of Rs. 500 annually	Rs. 7,061* Rs. 8,421**
HDFC Moneyback Credit Card	Rs.500	Earn 2X Rewards on online spends	Rs.484* Rs.1,480**
Standard Chartered Platinum Rewards Credit Card	Rs.250	Earn 5 Reward Points for every Rs.150 spent at partner dining restaurants	Rs.8,510* Rs.9,782**
ICICI Bank Coral Contactless Credit Card	Rs.500	Earn 2 Payback Points on every Rs.100 spent	Rs.10,636* Rs.15,771**
Standard Chartered Manhattan Platinum Credit Card	Rs.999	Earn 3X Reward Points on Hotel Reservations, Dining, Utility Bills etc.	Rs.8,697* Rs.16,293**

*On spending Rs.2 lakh annually

**On spending Rs.4 lakh annually

Other recommended dining credit cards are:

Credit Card	Annual Fee	Key Feature
HDFC Diners Club Premium Credit Card	Rs. 4,000	15% discount at the finest restaurants
Citibank Cash Back Credit Card	Rs.  500	Up to 15% off on dining across 2000 partnered restaurants
Standard Chartered Ultimate Credit Card	Rs. 5,000	25% discount on top 250 restaurants in India with advance table bookings through concierge services

Please Note: Kotak Mahindra Bank is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only.