Visa, Mastercard 📡 Contactless NFC

Kotak Delight Platinum Credit Card

Joining Fee₹1,999

Annual Fee₹299

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Weekend moviegoers and restaurant diners who can spend ₹10,000 monthly on other retail to unlock 10% direct cashback on dining and movies (saving up to ₹7,200/year).

Who Should Avoid

Users who cannot meet the ₹10,000 monthly non-dining spend condition or those seeking airport lounge visits.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Welcome lifestyle shopping and dining discount vouchers upon card activation

10% Cashback on Dining & Movies

10% direct cashback on dining at standalone restaurants and movie tickets (capped at ₹600/month combined) on ₹10,000 monthly spend on other categories.

Up to 8 Free PVR Tickets Annually

Earn 4 free PVR movie tickets (or ₹750 cashback) every 6 months on spending ₹1.25 Lakhs (up to 8 free tickets/year).

Low Annual Fee & Spend Waiver

Annual renewal fee of ₹299 is waived off on spending ₹1,25,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 Direct Cashback = ₹0.25

Standard Base Earning

4 Reward Points per ₹150 spent on other retail categories (0.67% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

10% direct cashback on standalone restaurant dining and movie ticket purchases (capped at ₹600/month combined), subject to min ₹10,000 spend on other retail categories in the same billing cycle; 4 free PVR movie tickets (or ₹750 cashback) on ₹1.25L spend every 6 months

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: PVR Movie Tickets via BookMyShow, Direct Statement Cash Credit, Kotak Rewards Catalog

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access

🛫

Domestic Lounge VisitsNone

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹125,000/yr

Annual renewal fee of ₹299 + GST is waived off on spending ₹1,25,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹50,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the Kotak Delight Platinum Credit Card

Annual Fee: ₹299/yr (Waivable)

Personalized Card Matcher

Still Confused About Your Best Match?

Don’t guess your cashback. Tell CardGuru your monthly grocery, UPI, and online shopping spends to calculate your exact net rupee returns in 10 seconds.

⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial

Ask CardGuru Now→Takes less than 15 seconds

Best Credit Cards for 720 CIBIL Score LTF Cards for Salary Under ₹50,000 All Kotak Mahindra Bank Credit Cards Best Visa Credit Cards Best Mastercard Credit Cards

Frequently Asked Questions

No, Kotak Delight Platinum Credit Card has a joining fee of ₹1999 and an annual renewal fee of ₹299 (plus applicable taxes).