Kotak Mahindra Delight Platinum Credit Card Review

Kotak Mahindra Delight Platinum Credit Card is a specially designed credit card for entertainment purposes, this card offers a big Cash-Back on movies and Dining related spends. this card also offers some other benefits like fuel surcharge waiver, railway surcharge waiver, lost card liability, add-on facility, milestone benefit, etc. 

Kotak Mahindra Delight Platinum Credit Card

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Min ₹3 lakh annually (Approx) 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Min ₹3 lakh annually (Approx)
  • This card is available in Chandigarh, Delhi, Kolkata, Pune, Hyderabad, Chennai, Mumbai, Bangalore, and Navi Mumbai.
  • Good relation with the bank. 
  • Good CIBIL score (750 or more).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Recent salary slip. (3 months) 
      • ITR
    • Self-employed person
      • Latest income tax return.  
      • Proof of business
      • Recent audited financial report. 

Fee:

  • Joining Fee: ₹1,999 + GST. 
  • Annual Fee: ₹299 + GST

Benefits:

  • Welcome benefit:

With the first use of the card, you will get 2 BookMyShow vouchers as a welcome gift. You can use those vouchers for movie tickets, any show any time.  

  • Cash-Back on dining:

This card offers up to 10% cashback on dining spends. Just spend ₹10,000 (Except on dining and entertainment categories) with your card within a month and you will get a 10% discount on your expenses on dining. 

The reward points will be credited directly to your account. You can win a maximum of ₹600 Cash-Back in a billing cycle. 

  • Cash-Back on movies:

You can also win 10% Cash-Back on movies. If you can spend ₹10,000 (except on dining and entertainment) in a billing cycle, you will get a 10% discount on your expenses on movies. 

This offer is applicable at any movie theatres and you can win a maximum of ₹600 Cash-Back (including entertainment and movies). The earned Cash-Back amount will be reflected in the monthly billing cycle.   

  • Fuel surcharge waiver:

With this card, you can earn up to ₹4500 waivers annually, on fuel surcharges. This offer applies to every petrol station in India. The transaction amount should be between ₹400 to ₹4,000. 

  • Railway surcharge waiver:

Now you will also get a waiver on the railway tickets booked with this card, this offer is applicable both on the tickets booked through www.irctc.co.in and on the tickets from booking counters. You can earn a maximum of ₹500 waivers in a year. 

  • Milestone benefit:

If you can make a spend of ₹1,25,000 with your card within 6 months, you will get either ₹750 Cash-Back or 4 free PVR tickets. You can win a maximum of ₹1,500 Cash-Back or 8 PVR tickets in a year 

  • Lost card liability:

Kotak Mahindra Delight Platinum Credit Card comes with a coverage of ₹1,25,000 against lost or stolen cards. To get the benefit of the coverage you have to report the lost card as soon as you notice it. 

  • Add on card:

You can now share the benefits of your card with your loved ones just by adding them with your card as add-on members. The add-on members will get all the benefits as the primary cardholder. You can also set a spending limit for each of your add-on members. 

  • EMV chip card:

This card comes with the advanced EMV chip, it is designed for convenience and security. Also whenever you use your card for online transactions you will get an OTP in your registered mobile number, it adds a layer of protection to your online transactions.  

  • Worldwide acceptance:

You can use your Kotak Mahindra Delight Platinum Credit Card in almost every country in the world, this card can also be used to make payments at any foreign e-commerce sites. But keep in mind that you will have to pay a charge for currency conversion.

Charges:

  • Cash Withdrawal Charge: ₹300.  
  • Finance Charge: 3.50% monthly & (42% annually)
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1800 266 2666

Mail: [email protected]

Dispute Resolution Process:

If you notice some unauthorized transaction or any miscalculation in your card statement, or if your card is lost or stolen, you should act fast. In such situations, you may follow these steps.

  • First of all, call customer service and tell them your problem, they will help you to solve it. If your card is lost or stolen you should ask them to block your card immediately.
  • If this does not work, then you can mail the Kotak Mahindra Service assurance center. You can directly contact them from Kotak Mahindra’s grievance redressal page.  
  • If you do not get any response within 1 to 7 days, you can either submit a Grievances or you can mail the principal nodal officer at  [email protected] 

If you are still not satisfied with the service, you can go to the Banking Ombudsman of your locality. You can find the contact details from your branch or the Reserve Bank of India’s official website.

100xGain Ratings: 5/10

Final Opinion:

This card is best suited for those who want to earn benefits only in the dining and entertainment categories. This card offers a 10% discount on both dining and movies, but to get this offer you have to spend ₹10,000 on other categories. You can also get some bonus benefits like free movie tickets or Cash-Back. 

So, it can be said that this card can only be beneficial for those who want to earn benefits only on entertainment and dining, and can spend ₹10,00 monthly with this card. Otherwise, you will be disappointed with the card.  

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