Kotak Mahindra Bank
Platinum · Delight Platinum
Kotak Delight Platinum Credit Card
Kotak Mahindra Bank
Affordable cashback on groceries and dining
Annual Fee
₹299
Joining Fee
₹299
Reward Rate
1.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹4,701
Total Annual Benefits
₹5,000
Total Annual Charges
₹299
ROI
1572%
Fee Waiver Available
Annual fee waived on spending ₹50,000 in the preceding year — ₹50,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Cashback Benefits (2)
2% Cashback on Groceries & Dining
Earn 2% cashback on all grocery and dining transactions
- • Valid on grocery stores and restaurants
2% cashback
1% Cashback on Other Spends
Earn 1% cashback on all other retail transactions
- • Valid on all other retail spends
1% cashback
Airport Lounge Access (1)
Domestic Lounge Access
2 complimentary domestic airport lounge visits per year
- • 2 visits per year at domestic lounges
2 visits/year
₹4,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹200 per statement cycle
1% waiver
₹2,400/yr
Reward Program
Program
Kotak Cashback
2% on groceries & dining, 1% on others
Effective cashback: 1.50%
Points expire: N/A - Direct cashback
Redemption Options
- → Direct cashback credited to card statement
Bonus Categories
Groceries
0x multiplier
2% direct cashback
Dining
0x multiplier
2% direct cashback
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹299 Inclusive of GST |
| Annual Fee | ₹299 Inclusive of GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹800
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹200/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹30,000
- Min. Annual Income
- ₹3,60,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹30,000
- • Self-Employed: ITR > ₹3.6 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹10.0 L
Permanent Disability
₹10.0 L
Lost Card Liability
₹1.0 L
Report within 24h
- • Credit liability cover: ₹1 Lakh
- • Fraud protection on lost/stolen card
Airport Lounge Access
Domestic
2 visits/year
Per year
~₹2,000/visit
International
0 visits/year
Not available
Dreamfolks
- • Domestic: 2 complimentary visits per year
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility 2% cashback on groceries & dining 1% cashback on all other spends
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Kotak Delight Platinum Credit Card is an affordable entry-level card offering 2% cashback on groceries and dining, and 1% on all other spends. Wit...
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