Kotak Mahindra Bank Delight Platinum Credit Card Review

The kotak delight platinum credit card is unmatched when it comes to lifestyle and entertainment benefits. Offering excellent returns on dining, movie, and entertainment categories, this card brings a ton of value with it that can easily justify its Rs. 299 annual fee. What is most interesting is that all the benefits will be directly credited to your account in the form of cashback. To know more about the kotak credit card benefits make sure to go through the details given below.

What are the kotak credit card eligibility criteria?

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Min Rs. 3 lakh annually (Approx) 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Min Rs. 3 lakh annually (Approx)
  • This card is available in Chandigarh, Delhi, Kolkata, Pune, Hyderabad, Chennai, Mumbai, Bangalore, and Navi Mumbai.
  • A good CIBIL score (750 or more) is needed to get a higher credit limit on this card.

You can apply for this card from the online kotak bank application portal. Once your application is submitted successfully, you can track your kotak card application status from the kotak credit card status tracking page.

What documents are required to apply for the kotak mahindra bank credit card?

  • 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 (Income Tax Return)
    • Self-employed person
      • Latest income tax return.  
      • Proof of business
      • Recent audited financial report. 

To ensure the security of your card during shipment, all new kotak credit cards are delivered in an inactive state. The users can activate them manually by generating a new kotak credit card pin. If you want to know the process, then feel free to visit our FAQ page

What are the kotak delight platinum credit card fees?

  • Kotak delight platinum credit card joining fee: Rs. 1,999 + GST. 
  • Kotak delight platinum credit card annual fee: Rs. 299 + GST

What are the kotak delight platinum credit card benefits?

  • A delightful welcome gift to start a wonderful start for you:

With the first successful transaction made using this kotak delight credit card , you will get 2 BookMyShow vouchers as a welcome gift. You can use those vouchers for movie tickets, any time you want. Also, if you are not satisfied with your kotak delight platinum credit card limit then click here to know the process. 

  • Make your evenings delightful with bug cash-back on dining bills:

This kotak mahindra bank credit card offers up to 10% cashback on dining bills. Just spend Rs. 10,000 (Except on dining and entertainment categories) within a month to unlock this offer.

The cashback amount will be credited directly to your kotak platinum credit card account. You can win a maximum of Rs. 600 Cash-Back in a kotak credit card billing cycle

  • Cash-back on movies:

If you can spend Rs. 10,000 (except on dining and entertainment) in a kotak credit card billing cycle , you will get a 10% discount on all your movie expenses. You can win a maximum of Rs. 600 Cash-Back in a kotak mahindra bank credit card statement cycle.

  • Enjoy freedom from fuel surcharges:

With this kotak mahindra bank delight platinum credit card, you can earn up to Rs. 4500 waivers annually, on fuel surcharges. This Kotak credit card benefit is applicable on transactions between Rs. 400 to Rs. 4000. You can claim this offer at any fuel station in India.

  • Get big discount on railway surcharges:

This kotak mahindra credit card offers up to Rs. 500 annual savings on railway surcharges. This kotak credit card offer is applicable on both the tickets booked from the IRCTC website and the tickets booked from ticket booking counters. You can check the status of your earned benefits from the kotak net banking credit card account.

  • Earn some extra benefits on milestone spending:

On spending Rs. 1,25,000 within 6 months, you will get 2 bonus gift options, Rs. 750 cashback or 4 free PVR movie tickets. You can win a maximum of Rs. 1,500 Cash-Back or 8 PVR tickets in a year. You can check your credit card usage from the kotak bank credit card app.

  • Complementary lost card liability coverage to stand for you in emergencies:

Kotak mahindra delight platinum credit card comes with a coverage of Rs. 1,25,000 against lost or stolen cards. So if your card ever gets lost or stolen, then you just have to report it by calling the kotak bank credit card customer care number and you will not be liable for anything bad that may happen to your account.

  • Enjoy extra security with the advanced EMV chip:

This Kotak platinum credit card comes with an advanced EMV chip. This special chip uses a very strong encryption method to store your credit card information, making your card nearly impossible to clone.

  • Pay your credit card bill conveniently with multiple online payment options:

You can pay kotak credit card bill online from your kotak credit card net banking account or from any credit card bill payment app like Cred, Google Pay, Paytm, Phone pe, etc. But if you don’t have access to these kotak bank credit card online payment options then you can pay your credit card bill from your nearby Kotak Mahindra branch.

  • Use your card anywhere in the world without restrictions:

This kotak platinum credit card is powered by Visa, which means you can use this card in over 200+ countries in the world.

What are the kotak credit card charges?

Particulars  Payable amount
Kotak mahindra bank charges on cash withdrawal Rs. 300 for each Rs. 10,000 withdrawal (applicable once per withdrawal, also make sure to check your available Kotak platinum credit card limit before making a withdrawal)
Kotak credit card finance charge Kotak bank charges 3.50% monthly or 42% annually as finance charges
Foreign currency transaction 3.5% against the transaction amount (applicable once per transaction)
Add-on care fee None

How to contact the kotak mahindra credit card customer care department?

  • Call the kotak mahindra credit card customer care no: 1800-266-2666
  • Write to the kotak credit card customer care email id: customerfirst@kotak.com 

If you don’t want to continue with your old credit card, then feel free to visit our faq page to know the kotak mahindra account closure process.

100xGain Ratings:


Pros and Cons:

Pros  Cons
  • This kotak card offers several movie and entertainment offers at a very low cost
  • You will get some free movie tickets on milestone spending
  • The kotak credit cards offers will be unlocked on spending a particular amount within a set time

Final Opinion:

Kotak Mahindra is no longer accepting new applications for this card, but there are plenty of other options available on our 100xGain top 10 credit card pages. Go there and choose the card that suits your needs. Also, if you want some similar credit card options, then feel free to take a look at the alternative card options given below.

Alternative Cards: 

  1. Axis Bank Pride Signature Credit Card With Lifestyle Benefits (Best for lounge access and entertainment benefits) 
  2. IDBI Bank Euphoria World Credit Card (Best for offering fuel surcharge waivers)
  3. Indusind Bank Crest Credit Card (Best for travel and entertainment benefits)


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