Summary
The Kotak Delight Platinum Credit Card is a lifestyle credit card for people who often go out to eat, watch movies, and have cashback benefits on their expenses. It gives 10% cashback on dining and movie spending, which makes it an excellent choice for entertainment lovers. However, to enjoy this benefit, users need to spend at least ₹10,000 per month, and the maximum cashback limit is ₹600 per billing cycle (₹1200 per quarter).
This card has one of the major advantages in the form of a waiver on fuel surcharge, thereby saving up to ₹3,500 annually in fuel transactions for the cardholder. The waiver applies to fuel purchases made between ₹500 and ₹3,000 per transaction, thereby making it advantageous for regular commuters.
The Credit card provides more reward points through the Milestone benefits, which gives users a choice between 4 free PVR movie tickets or cashback at ₹750, considering that they incur ₹1,25,000 in 6 months for entertainment purposes.
Introduction
Credit cards have been one of the most important financial tools in the digital world. They make shopping easier and come with many benefits and perks. Probably one of the popular options is the Kotak Delight Platinum Credit Card, which is designed specifically for people who need to control their expenses and enjoy the many benefits it comes with.
Customers can pay easily, in addition to other benefits they enjoy through Kotak Platinum Credit Card. Such as cashback, travel benefits, and special offers, that come from different online and offline retailers. This Kotak Delight Platinum Credit Card is especially for those people who want to manage their expenses wisely and at the same time improve their lifestyle.
The bank has created the card in such a way that it provides maximum benefits to customers. All the cardholders get proper details about annual fees, late fees, and all other charges to use it without any hassle. In addition to all of that, customers also receive various cashback and reward points in case of proper bill payment.
Today in this article we will talk about Delight Platinum Credit Card, within which we will inform you in detail as to what the benefits are. Along with that, in this article, we will also give information regarding the fees of Delight Platinum Credit Card and shall also tell you in detail how to apply for it. So, read this article till the end so that you do not face any problems later.
What is the Kotak Delight Platinum Credit Card?
Credit card is an exclusive credit card for its customers. Delight Platinum credit card has been catered especially for those people who would like to have numerous benefits and at the same time maintain their expenses. Many benefits and offers such as cash back, travel rewards, reward points, and much more on several merchants and e-commerce sites are provided through the Kotak Platinum credit card.
Other benefits that this Kotak Platinum credit card provides include security and convenience in shopping and travel, as the card benefits consumers with medical emergency cover and travel insurance. Its application process is very easy, and it is a good option for people who want to improve their financial lives.
How is the Kotak Delight Platinum Credit Card designed?
Credit Card would be ideal for those who always dine out or watch movies in the cinema houses and also who enjoy cash-back benefits. Hence, it does offer cash benefits on dining expenses and entertainment of movie theater visits.
It also offers fuel surcharge waivers to save on fuel costs. There are also milestone benefits so that when cardholders reach a certain spending limit, they receive extra perks. In general, this card is designed to give savings and special privileges on lifestyle expenses.
What are the benefits of the Kotak Delight Platinum Credit Card?
Here are the actual offers you receive:
- Cashback on Dining & Movies
- Cashback amounts to 10% of total spending
- Maximum ₹600 per billing cycle ( ₹ 1200 per quarter)
- Minimum spend: ₹ 10,000/ month
- Fuel Surcharge Waiver
- Refund of up to ₹3,500 a year on fuel surcharge
- Valid only on fuel spends ₹ 500 – ₹ 3,000
- Milestone Benefits
- Spend ₹1,25,000 in 6 months
- 4 free PVR movie tickets or 750 cash
- Other Perks
- Up to 48 days’ interest-free period.
- Add-on cards for family members with joint benefits.
What are the fees for the Kotak Delight Platinum Credit Card?
Here is a simple Credit Card fee breakup.
| Joining Fee | ₹1,999 = GST per year. This will be waived if you spend 15,00,000 or more in a year. |
| Annual Fee | ₹1,999 = GST per year. This will be waived if you spend 4,00,000 or more in a year. |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, 3.5% per month (47% annually) on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Kotak Delight Platinum Credit Card?
The following are the primary requirements:
- To apply for the Delight Platinum Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 12 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.
- Your credit score plays a role in the selection process. It is a tendency for Kotak Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get a Kotak Delight Platinum Credit Card?
The documents that you will have to submit to Get a Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Kotak Delight Platinum Credit Card be used?
Here is the list of places where you can use it:
- With the Kotak Platinum Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Kotak Delight Platinum Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Kotak Delight Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Kotak Delight Platinum Credit Card?
The credit amount you can spend is what you are provided with a Kotak Delight Platinum Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for a Kotak Delight Platinum Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the Kotak Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Kotak Bank; for instance, you can choose the Kotak Delight Platinum Credit Card.
- Just hover your cursor on the Kotak Delight Platinum Credit Card, followed by selecting ‘Apply Now’ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest Kotak Bank branch to apply for the Delight Platinum Credit Card.
- Request for the credit card application form for the Kotak Platinum Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Kotak Delight Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Kotak Bank Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a Kotak Delight Platinum Credit Card in 2025 be right?
Yes, getting a Kotak Delight Platinum Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Kotak Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Credit Card is a great financial instrument that not only allows you to manage your daily expenses with ease but also enjoys a host of great benefits. Through the Kotak Delight Credit Card, you can not only shop but also control your expenses better by availing of cashback, reward points, and special offers.
In addition, the travel benefits and insurance protection provided by the Delight Platinum Credit Card ensure a safe and comfortable experience for you. The Delight Platinum Credit Card is an excellent choice for individuals who love to travel or have a varied shopping pattern daily.
When we talk about its fees, the annual fees and other charges of the Delight Platinum Credit Card are generally quite low, making it affordable for most customers. This means that you can enjoy its benefits to the fullest without any additional financial burden.
Frequently Asked Questions (FAQ’s)
Ans: The process of applying for a Platinum credit card is usually short-lived. After applying online, it may take around 2 to 7 days to check your information and documents. If all the information is correct, you will get the card soon.
Ans: Yes, you can ask the bank to increase the limit of your Delight Platinum credit card. To do this, you have to give details about your income and expenses, and then the bank will decide on your situation.
Ans: Yes, the bank will check your credit score while applying for a Kotak Delight credit card. It is said that a good credit score increases the chances of approval of your application.
Ans: Zero amount is required to use the Kotak Platinum Credit Card. For a few benefits, however, there may be some amount that must be spent within a set period.
Ans: Yes, Credit Card members can get discounts and offers at various e-commerce websites. Such offers keep on changing over time, hence do check on the website of the bank on the mobile app.
