Delight Platinum Credit Card

• 10% Cash-Back on Dining
  • Spend a minimum of Rs.10,000 using your Delight Platinum Credit Card  on categories other than dining and entertainment within the billing cycle to avail 10% cash-back on dining (stand-alone outlets) every month
  • EASY ACCESS
    • Anywhere: Coffee Shops | Fast food joints| Pizza joint | Pubs | Restaurants
    • Anytime : 365 Days
    • A maximum Cash-back of Rs. 600 including both Dining & Entertainment transactions will be given in a monthly billing cycle. Dining & Movie Transactions up to Rs. 4000 are eligible for cash-back. Cash-back for a particular billing cycle will be credited in the next month billing cycle.
    • Cash-back is offered on transactions undertaken at only those Merchant Establishments which are classified under the "Restaurant" Merchant Category Code (MCC) as defined by VISA
• 10% Cash-Back on Movies
  • Spend a minimum of Rs. 10,000 on categories other than dining and entertainment within the billing cycle to avail 10% cash-back on movies every month
  • EASY ACCESS
    • Anywhere: Movie Theatres | Plays
    • Anytime : 365 Days
    • A maximum Cash-back of Rs. 600 including both Dining & Entertainment transactions will be given in a monthly billing cycle. Dining & Movie Transactions up to Rs. 4000 are eligible for cash-back. Cash-back for a particular billing cycle will be credited in the next month billing cycle.
    • Cash-back is offered on transactions undertaken at only those Merchant Establishments which are classified under the "Entertainment" Merchant Category Code (MCC) as defined by VISA
• Fuel Surcharge Waiver
  • Applicable on transactions between Rs. 400 and Rs. 4000.
  • Maximum fuel surcharge waiver allowed in a calendar year is Rs. 4500.
• Railway Surcharge Waiver
  • Save railway surcharge waiver for transactions on www.irctc.co.in and for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500/-
• Milestone Feature
  • Spend Rs. 1,25,000 every 6 months and get 4 free PVR tickets or Rs. 750 cashback.
  • Enjoy a maximum of 8 free PVR tickets or Rs. 1500 cashback every year
  • You can claim your PVR tickets within 3 months after the program period gets over
• Delight Shield
  • In case your Credit Card is stolen, you get a cover of Rs. 1,25,000 against fraudulent usage upto 7 days pre-reporting.
  • You are required to immediately call Customer Contact Center (1860 266 2666) and get your credit card deactivated / blocked to prevent misuse and register a claim with the Insurance Company
• Add-on Card
  • Your Add-on Card will have all the benefits that you enjoy on your Credit Card
  • Set the spend limit on your Add-on Card as you desire
  • Track spends separately for each of your Add-on Card(s)

For milestone benefits, all transactions settled during milestone period will be considered. Example- Milestone period is 1st Jan 2021 to 30th June 2021, then the transactions settled till 30th June 2021 will be considered for milestone benefits”. Any transaction settled after 30th June 2021 will be considered in next milestone period.

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Disclaimer: Dear Customer, we have discontinued this product for new sourcing, and same is only displayed for existing Essentia cardholders. We are sure that our large bouquet of active products with attractive features and offers will match your expectation. Thankyou for understanding.

• Introducing a fast way to pay.Visa payWave offers a fast, safe and secure way to pay. Just wave your Kotak Visa payWave Credit Card and pay for transactions up to Rs. 2000 without a PIN
  
  • Visa payWave Credit Card and pay for transactions up to Rs. 2000 without a PIN.
  • Contactless payments are safe and secure
    • You don't need to enter your PIN - just wave your credit card on the reader*
    • The credit card never leaves your hand, reducing the risk of credit card loss or counterfeit
    • Payments supported by multiple layers of security, which ensures that you are safe from fraudulent or unauthorized transactions.
• How does the PayWave Credit Card work?
  • Step 1: Look for the Visa PayWave mark and contactless logo at the point of sale.
  • Step 2: The cashier enters your purchase amount into the terminal. This amount will be displayed on the contactless reader.
  • Step 3: Tap your credit card over the POS at close range (less than 4 cm from where the contactless logo appears).
  • Step 4: Four green indicator lights or a beep sound will indicate when the transaction is complete. A message will also be displayed on the screen indicating the transaction is complete. No PIN is required.
  • *Please note that the requirement for PIN entry on the POS terminal at the merchant outlet is a function of country specific regulations and is subject to change. PIN input is not mandated for purchases below the permissible local limit.
  • Please note that the permissible transaction limit for usage of credit cards in contactless mode in India is mandated by RBI and may change from time to time based on the latest regulations. As per RBI notification on Additional Factor authentication for contactless transactions dated May 14, 2015, PIN input is not required on the POS terminal at the merchant outlet for contactless transactions up to a maximum value of Rs. 2,000 per transaction. Additionally, beyond this transaction limit, (above Rs. 2,000) the card has to be processed in Chip & PIN mode and authentication with PIN is mandatory.
    

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Save up to Rs. 12,400 every year on Kotak Delight Platinum Credit Card

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* A maximum Cash-back of Rs. 600 including both Dining & Entertainment transactions will be given in a monthly billing cycle. Dining & Movie Transactions up to Rs. 4000 are eligible for cash-back. Cash-back for a particular billing cycle will be credited in the next month billing cycle . Cash-back is offered on transactions undertaken at only those Merchant Establishments which are classified under the "Restaurants & Entertainment" Merchant Category Code (MCC) as defined by VISA

** For calculation purpose the average PVR movie ticket price has been taken as Rs. 250.

***Fuel Surcharge waiver is applicable on all transactions between Rs. 400 and Rs. 4000. Maximum fuel surcharge waiver allowed in a calendar year is Rs. 4500.

**** Maximum railway surcharge waiver allowed in a calendar year is Rs. 500.# Joining Fees of Rs. 1999 is applicable in the 1st Year and charged one time at the beginning of the year .It is billed in the 1st statement generated after credit card set up in the 1st Year. + Annual fee of Rs. 299 is applicable from the 2nd Year onwards and charged at the beginning of the year. It is billed in the 13th statement generated after credit card set up in the 2nd Year and every 12 months thereafter.