Kotak Mahindra Bank is one the most trusted banks for home loans. It is an Indian private sector bank and its headquarters at Mumbai. Kotak Mahindra Bank offers banking and financial services for corporate and retail customers.There are so many banks and non-banking financial companies in India that provide various financial products to the customers. These can be banking, insurance, loans or credit cards. Kotak Mahindra Finance Ltd. was established in 1985. The same got converted into a bank- Kotak Mahindra Bank Ltd. in March 2003. Kotak Mahindra Bank has presence in commercial vehicles, Retail finance, Corporate Banking, Treasury and Housing Finance.
The Kotak Delight Platinum Credit Card is a VISA Platinum Card. The Kotak Delight Platinum Card has been specifically designed for the High Income or High Net Worth individuals. We have kept in mind your lifestyle requirements and the relevant benefits so that you could derive the maximum out of it. Only Kotak Delight Platinum Card offers you a unique every time & everywhere advantage - 10% cashback on dining & movies. We give you the freedom to choose the restaurant you wish to dine at or a movie theatre you like to go to and avail of the cashback every time you use the Kotak Delight Platinum Card. The Joining fee for Delight Platinum Credit Card is Rs.1999.
1. Cashback applicable on spends of Rs.10,000 plus on categories other than dining and entertainment within a billing cycle
2. Fuel-surcharge waiver, railway-surcharge waiver, insurance cover for stolen card, and more
3. 10% cashback on dining & movie transactions. Maximum cashback of 600 per billing cycle
4. Milestone benefit: Spend Rs.1,25,000 every 6 months & get 4 free PVR tickets or Rs.750 cashback
5. 2 BookMyShow vouchers on the 1st swipe of the card.
6. The credit card provides fuel benefits by waiving the surcharge waiver of up to Rs.4,500 every year. The waiver is valid for card transactions within the range of Rs.400 and Rs.4,000.
7. You get an interest-free period of up to 48 days on every retail transaction.
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Reward type |
Dining and Movies |
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Dining cashback |
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Movies cashback |
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Reward Points |
Dining & movies: 10% cashback |
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Fuel Surcharge Waiver |
The credit card provides fuel benefits by waiving the surcharge waiver of up to Rs.4,500 every year. The waiver is valid for card transactions within the range of Rs.400 and Rs.4,000. |
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Railway Surcharge Waiver |
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Total Card Protection |
Delight Shield offers an insurance cover of up to Rs.1.25 lakh for misplacement or theft of the card. You need to report the loss of the card within 7 days to avail this benefit. |
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Add On Cards |
Add-on cards carry all the benefits of the Delight Platinum Credit Card. You can adjust the spending limit as per your needs. |
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Milestone Rewards |
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Lifestyle benefits |
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To apply for a delight platinum credit card, you have to pay fees and charges applied by the Kotak Mahindra Bank. It covers all charges and fees made by a bank to their customers.The following charges are taken from Kotak Mahindra Bank i.e joining fee, annual fee, interest rate, late payments charges etc.
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TYPE |
CHARGES |
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Joining fee |
Rs.1,999 |
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Annual fee |
Rs.299 |
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Interest on pending dues on the card |
3.40% |
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Card-related transaction/ transfer of funds/Cash withdrawal per Rs.10,000 |
Rs.300 |
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Fees for add-on card |
Rs.299/each card |
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Minimum Amount Due (MAD) |
5% or 10% (depends on the total amount due) |
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Charges for payments after the due date |
If the outstanding amount is Equal to or less than Rs.500 - Rs.100 Between Rs.500.01 to Rs.10,000 - Rs.500 Greater than Rs.10,000 - Rs.700 |
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Charges for Over-limit |
Rs.500 |
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Penalty for Cheque Bounce |
Rs.500 |
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Fees related to cash payments at the bank |
Rs.100 |
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Foreign Currency mark-up charges |
3.5% |
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Charges for reissuing of the card |
Rs.100 |
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Providing a CIBIL report |
Rs.50 |
Before applying for a Delight Platinum credit card from Kotak Mahindra Bank, you should fulfil all basic eligibility criteria as prescribed by the bank. You will get your credit card very soon if you meet all the required eligibility criteria once the documentation is done.
1. You are an Indian Resident.
2. Your current age is in between 21 years and 60 years. The minimum age of the supplementary cardholder is 18 years.
3. The Delight Platinum Credit Card is exclusively available only in Kolkata, Ahmedabad, Pune, Mumbai, Bangalore, Chennai, Navi Mumbai, Chandigarh, Hyderabad, and Delhi (including Noida and Gurgaon).
Any applicant who is applying for a Delight Platinum credit card from Kotak Mahindra Bank must have to submit the following documents. These documents are the requirements for the lenders who are providing you the credit card.
1. KYC Documents = PAN, address proof and ID proof
2. Coloured photograph
3. Income Proof = Last 3 month salary slip
4. Last 3 months bank statement
5. ITR or Form 16
Kotak Mahindra Bank Credit Card Login
Cardholders of Kotak Mahindra Bank Credit Card can log in to their credit card account through following steps :
1. Login to www.kotak.com
2. Click on the “Net Banking” option
3. Enter CRN in User ID
4. Enter password or click on "Get Net Banking Password Online"
5. Click on the Credit Card Tab
6. Click on Service Requests
7. Choose “Register for eStatement”
1. Kotak Mahindra Bank Car Loan
2. Kotak Mahindra Bank Home Loan
3. Kotak Mahindra Bank Education Loan
4. Kotak Mahindra Bank Gold Loan
There are two reason to apply for Kotak Mahindra Delight Platinum Credit Card :
1. Offline Method : By visiting the nearest branch of Kotak Mahindra Bank
2. Online Method
Go to kotak.com and click on Explore Products > Cards > Credit Cards. A page listing all the credit cards will appear
Scroll down to ‘Delight Platinum Credit Card’ and click on ‘Apply Now’
An application form will appear where you have to fill personal details including the PAN Card Number and monthly income. Once you have filled the details, click on ‘Submit’
Verify your mobile number by entering the 6-digit OTP sent to your phone
After the verification, a representative from the bank will call you and guide you through the remaining process
Kotak Mahindra Delight Platinum Credit Card Customer Care
Contact number : 18602662666 / 18602660811
Email id : itsecurity.bank@kotak.com
Credit cards have become a very useful tool for people to complete their daily transactions like paying utility bills, paying mobile bills, buying groceries etc. Gone are the days when credit cards were only used for buying airline tickets or similar large transactions.
1. Login to Kotak Net Banking
2. Select ‘Credit Card’ option from the Home Page
3. Select ‘Payments”
4. Click on ‘Make Payment’ Option
Bank offered Financials products
The Kotak Delight Platinum Credit Card is a VISA Platinum Card. The Kotak Delight Platinum Card has been specifically designed for the High Income or High Net Worth individuals. We have kept in mind your lifestyle requirements and the relevant benefits so that you could derive the maximum out of it.
The annual fee is Rs.299 of a Kotak Mahindra Delight Platinum Credit Card.
The minimum age of the applicant is 21 years and maximum age is 60 years to get a Kotak Mahindra Delight Platinum Credit Card.
The rewards points are given in a Kotak Mahindra Delight Platinum Credit Card are :
Dining & movies=10% cashback
You can apply for a Kotak Mahindra Delight Platinum Credit Card online and offline by visiting the nearest bank branch.
You can contact through customer care toll free number and also through e-mail id for a Kotak Mahindra Delight Platinum Credit Card.
Shopping rewards are included in the Kotak Mahindra Delight Platinum Credit Card.
The interest rate is 3.40% per month provided by a Kotak Mahindra Delight Platinum Credit Card.
The minimum late payment charges is 100 and maximum charges are 700 of Kotak Mahindra Delight Platinum Credit Card.
The joining fee of Kotak Mahindra Delight Platinum Credit Card is Rs.1999.
Last Updated on : 02/Oct/2020Know More About CREDIT CARDS
You're eligible for a Kotak Mahindra Delight Platinum Credit Card if you:
Are legally adult enough to handle it
Have still got it
Get a regular pay check
Make more than a basic buck
Your eligibility depends on:
Earn more than minimum income required
Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs
EMIs of other loans loweryour eligibility
Boost your eligibility by:
Pay off your credit card bills
Choose longer tenure loan up to 5 years
Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:
- 1. Photo ID and age proof
- 2. Signed application form with photograph
- 3. Residence proof
- 4. Last 6 months bank statement
- 5. Documentation for salaried applicants:
- Last 3 months salary - slips
- Form 16 or Income Tax Returns
- 6. Documentation for self-employed applicants:
- Last 3 years Income Tax Returns with computation of Income
- Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account