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Last updated: 01-06-2026
Kotak Delight Platinum Credit Card
Kotak Bank

Kotak Delight Platinum Credit Card

"Kotak's dining and entertainment specialist โ€” 10% cashback on dining and movies with 4 PVR or INOX ticket milestone"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น1,499 + GST
๐Ÿ”„ Renewal Fee
โ‚น1,499 + GST
Waived: Annual fee waived on spending โ‚น1 lakh or more in the card anniversary year
๐ŸŽฏ Best Suited For
Regular diners and movie-goers who spend โ‚น5,000 to โ‚น15,000 per month on restaurants and cinemas; those who prefer direct cashback over reward points on dining and entertainment
๐ŸŽ Reward Type
Direct Cashback on dining and movies (10% auto-credited as statement credit) plus Reward Points on other spends
๐ŸŽ‰ Welcome Benefit
Check current welcome offer on Kotak Bank website; typically vouchers or cashback on first transaction
๐Ÿ’ฐ Reward Rate
10% cashback on dining and movie ticket purchases โ€” capped at โ‚น600 per month; 1 RP per โ‚น100 on all other eligible retail spends; excludes fuel, wallet, EMI, government
โœˆ๏ธ Lounge Access
2 complimentary domestic airport lounge visits per quarter on spending โ‚น75,000 in the preceding quarter
๐Ÿ’ต Cashback Rate
10% on dining and movies capped โ‚น600 per month
โญ Rate this Card
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โœ… Pros
  • 10% cashback on dining and movies โ€” excellent for entertainment spenders
  • 4 PVR or INOX movie tickets milestone
  • 2 domestic lounge visits per quarter
  • Easy โ‚น1L fee waiver condition
  • Auto-credited cashback โ€” no redemption effort
โŒ Cons
  • 10% cashback capped at โ‚น600 per month
  • High forex markup 3.5%
  • Lounge requires โ‚น75K quarterly spend
  • Base reward rate 0.25% outside dining and movies
  • Verify current offer terms on Kotak website

๐ŸŽ Rewards & Benefits

Reward Type
Direct Cashback on dining and movies (10% auto-credited as statement credit) plus Reward Points on other spends
Welcome Benefits
Check current welcome offer on Kotak Bank website; typically vouchers or cashback on first transaction
Reward Rate
10% cashback on dining and movie ticket purchases โ€” capped at โ‚น600 per month; 1 RP per โ‚น100 on all other eligible retail spends; excludes fuel, wallet, EMI, government
Reward Redemption
Cashback auto-credited as statement credit; Kotak Rewards portal for RP redemption; 1 RP = โ‚น0.25
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น500 to โ‚น3,000
Lounge Access
2 complimentary domestic airport lounge visits per quarter on spending โ‚น75,000 in the preceding quarter
Spend Based Fee Waiver
Annual fee waived on โ‚น1 lakh spend in membership year
Milestone Benefits
4 PVR or INOX movie tickets on spending โ‚น1.25 lakh in 6 billing cycles; annual fee waiver on โ‚น1L spend; 2 lounge visits per quarter on โ‚น75K spend
Other Benefits
10% dining cashback capped โ‚น600 per month; 4 PVR or INOX milestone tickets; 2 lounge visits per quarter; fuel surcharge waiver; Smart EMI; Zomato Gold 50% off first order

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on timely card loss reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
10% dining cashback; 4 PVR or INOX tickets milestone; 2 lounge visits per quarter; Zomato Gold 50% off

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น1,499 + GST
Annual Fee / Renewal Fee
โ‚น1,499 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น1 lakh or more in the card anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.5% per month (42% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per Kotak Bank prevailing slab
Over Limit Charges
2.5% of overlimit amount
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
10% dining cashback capped at โ‚น600 per month; lounge requires โ‚น75K quarterly spend; verify current offer on Kotak website

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 65 years; salaried or self-employed; Indian resident; minimum monthly income โ‚น30,000+
Credit Score Requirement
700+ CIBIL recommended
Credit Limit
Based on income and Kotak Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per Kotak Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via Kotak Bank mobile app
Instant Fraud Alerts
SMS alerts for every transaction
Purchase Protection
Zero liability on timely card loss reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 266 2666 (24x7)
Chat / Email Support
SMS KASSIST to 5676788; chat via Kotak Bank website
Mobile App
Kotak Bank mobile app: manage card, track cashback, pay bills
Online Banking
Full management via Kotak Bank NetBanking

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:31 PM
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