Kotak Delight Platinum Credit Card
Kotak Mahindra Bank
Last updated: Feb 03, 2026
₹299
₹1,999
3.5%
No lounge access
Contents
Kotak Delight Platinum Credit Card is a lifestyle and entertainment-focused cashback credit card designed for movie lovers and frequent diners. You earn 10% cashback on dining and movie spends when you meet the monthly eligibility criteria on other categories. On top of this, the card offers milestone benefits like complimentary PVR movie tickets or cashback, along with fuel surcharge waiver across petrol pumps in India. It is best suited for cardholders who spend regularly on eating out, watching movies and everyday expenses in India.
Features of Kotak Delight Platinum Credit Card which makes it unique
Entertainment-Focused Cashback
Flat 10% cashback on dining and movies when you meet the monthly spend criteria on other categories.
High savings potential for movie-goers and foodies.
More focused on dining and entertainment than many generic cashback cards.
Fuel And Railway Surcharge Waiver
1% fuel surcharge waiver and railway surcharge waiver within annual caps.
Reduces the effective cost of everyday commuting and train travel.
Useful for users who frequently drive or travel by train.
Rewards Structure of Kotak Delight Platinum Credit Card
Dining Cashback
acceleratedStandalone restaurants classified under Dining MCC after spending at least ₹10,000 on other categories in the same billing cycle.
Eligible dining transactions up to ₹4,000 per transaction qualify for cashback.
Movie Cashback
acceleratedMovie ticket bookings at cinemas and entertainment merchants after spending at least ₹10,000 on non-dining and non-entertainment categories in the same billing cycle.
Eligible movie spends up to ₹4,000 per transaction qualify for cashback.
Other Categories
baseRetail spends on categories like grocery, apparel, fuel, airlines, department stores, jewellery and electronics, excluding dining and entertainment.
Transactions counted as per billing date, not swipe date.
Milestones of Kotak Delight Platinum Credit Card
Half-Yearly Movie Milestone
₹1,25,000 every 6 months : Choice of 4 free PVR tickets or ₹750 cashback on movie spends.
Fees & Charges of Kotak Delight Platinum Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,999 |
| Annual Fee | ₹299 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 3.5% |
| Late Payment Fee | ₹700 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 4% |
Renewal Conditions:Annual fee of ₹299 is charged from the second year onwards; no spend-based waiver is currently offered.
Fee Explanation Fees and charges are indicative; customers should always refer to Kotak Delight Platinum Credit Card fees and charges page and MITC for the latest official information.
Detailed Explanation of Kotak Delight Platinum Credit Card Fees
Joining Fee: 1999 (one-time)
Charged in the first statement after card set-up.
Annual Fee: 299 (yearly)
Applicable from second year onwards; charged at the start of the anniversary year.
Cash Advance Fee: 3.5% (transaction)
Typically 3.5% of the cash amount subject to a minimum charge as per Kotak MITC.
Forex Markup: 3.5% (transaction)
Applied on all international transactions done in foreign currency.
Insurance Coverage with Kotak Delight Platinum Credit Card
Purchase protection
As per Kotak Mahindra Bank’s standard credit card policyCoverage limits and eligible transactions are defined in the latest MITC and insurance terms for Kotak credit cards.
Additional Features of Kotak Delight Platinum Credit Card
Contactless Payments
Visa payWave enabled; tap to pay for purchases up to the contactless transaction limit without entering PIN.
PIN may be required above RBI-mandated contactless transaction limits.
Add-on Cards
Option to issue add-on cards for family members.
Primary cardholder remains liable for all spends on add-on cards.
Welcome Bonus with Kotak Delight Platinum Credit Card
Welcome Bonus: No welcome bonus
Bonus Conditions: No separate welcome offer is currently advertised for this card; focus is on ongoing cashback benefits.
Application Process for Kotak Delight Platinum Credit Card
Processing Time
Not applicable for new applications (card is discontinued for fresh issuance); earlier applications were typically processed in about 7–10 business days.
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Check Kotak’s credit card section to confirm whether Delight Platinum Credit Card is currently open for new applications or only available to existing customers.
If available, fill the online or offline credit card application form with personal, contact and income details.
Submit KYC and income documents for verification as requested by Kotak Mahindra Bank.
Kotak reviews your credit profile, CIBIL score and documents as per internal policy.
On approval, the physical card is dispatched to your registered address and can be activated as per the bank’s instructions.
Required Documents for Kotak Delight Platinum Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
Kotak Delight Platinum Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at merchants that support Visa credit cards, especially dining, entertainment, fuel, retail and e-commerce outlets.
International Acceptance
Accepted globally wherever Visa credit cards are accepted, subject to applicable forex markup and RBI rules.
Online Acceptance
true
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Kotak Delight Platinum Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹40,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should be an Indian resident with stable income, good credit history and must meet Kotak Mahindra Bank’s internal underwriting criteria.
How Approval Is Decided
- Primary cardholder should generally be between 21 and 65 years of age.
- Applicant should be an Indian resident in Kotak’s serviceable cities.
- Good credit history with a CIBIL score of around 750 or higher is usually preferred.
- Stable, verifiable income from salaried or self-employed sources that meets Kotak’s internal thresholds.
- Satisfactory internal risk checks and document verification by Kotak Mahindra Bank.
Pros of Kotak Delight Platinum Credit Card
- High 10% cashback rate on dining and movie transactions after meeting spend criteria.
- Milestone benefit of complimentary PVR tickets or cashback every 6 months.
- Fuel and railway surcharge waiver across eligible transactions.
Cons of Kotak Delight Platinum Credit Card
- Card is discontinued for new applications; benefits apply only to existing cardholders.
- 10% cashback is conditional on spending at least ₹10,000 monthly on non-dining and non-entertainment categories.
- No standalone welcome bonus and limited rewards outside dining and entertainment.
Frequently Asked Questions about Kotak Delight Platinum Credit Card
Is Kotak Delight Platinum Credit Card still available for new customers?
No, Kotak Delight Platinum Credit Card is currently marked as discontinued for new applications by Kotak Mahindra Bank, but existing cardholders continue to enjoy the card’s benefits.
How does the 10% cashback on dining and movies work on Kotak Delight Platinum Credit Card?
You earn 10% cashback on eligible dining and movie spends in a billing cycle after spending at least ₹10,000 on categories other than dining and entertainment. Cashback is capped at ₹600 per statement cycle across dining and movies, and each eligible dining or movie transaction must be ₹4,000 or less.
What are the joining and annual fees for Kotak Delight Platinum Credit Card?
The card charges a one-time joining fee of ₹1,999 in the first year. From the second year onwards, an annual fee of ₹299 is billed at the start of each anniversary year.
Who should consider using Kotak Delight Platinum Credit Card?
This card is best suited for existing Kotak customers who frequently spend on dining out, movie tickets and everyday categories like groceries, fuel and shopping in India, and who can comfortably meet the ₹10,000 monthly spend condition on non-entertainment categories.
Does Kotak Delight Platinum Credit Card offer fuel surcharge and railway surcharge waivers?
Yes, the card offers a 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹4,000, capped at ₹4,500 per calendar year, along with a railway surcharge waiver on select railway transactions up to ₹500 per calendar year.
What minimum credit score and income are recommended for Kotak Delight Platinum Credit Card?
Kotak generally prefers applicants with a CIBIL score of around 750 or higher and a stable income that meets its internal policy. Historic documents suggested a minimum monthly income of around ₹40,000, but current approvals depend on Kotak’s underwriting norms.
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