Kotak Mahindra Bank
Kotak Delight Credit Card
Discontinued dining cashback card
₹299/yr annual fee
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
This card has been discontinued by its issuer. The details below are kept as a reference for existing holders and historical comparisons.
Annual fee
₹299/yr
Reward rate
Not published
Min. income
Not published
Forex markup
Not published
Lounge access
None
Eligibility
Not published
Reward cap
Rs 600 (dining plus entertainment combined)
Welcome benefit
4 free PVR tickets or 10,000 reward points for spending Rs 1,25,000 every six months
Kotak Delight Platinum is discontinued for new sourcing. Last published terms: 10% dining cash-back capped at Rs 600 a month and 2 reward points per Rs 100 online.
Who is this for
- Food & dining spender
- Online shopper
What we like
- Milestone vouchers or extras
- Dining cash-back
Watch out for
- ₹1,999 non-waiver joining fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,999 | Not waivable |
| Annual fee | ₹299 | Rs 50,000 retail spends in the previous anniversary year |
| Fuel surcharge | 1% | 1% waiver on Rs 400-4,000 fuel transactions, up to Rs 4,500 a calendar year |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| DINING | 10% cash-back on stand-alone restaurant dining (VISA Restaurant MCC); Rs 600 a month cap across dining and entertainm… | Rs 600 (dining plus entertainment combined) | Cash-back credited in the next billing cycle |
| ONLINE | 2 Reward Points for every Rs 100 spent online | — | — |
Benefits
-
PVR milestone Highlight
4 free PVR tickets or 10,000 reward points for spending Rs 1,25,000 every six months
-
Dining cash-back Highlight
10% cash-back on stand-alone restaurant spends, up to Rs 600 a month with Rs 10,000 of other monthly spends
-
Fuel surcharge waiver
1% fuel surcharge waiver on transactions of Rs 400-4,000, capped at Rs 4,500 a calendar year
-
Delight Shield
Delight Shield cover is named on the final issuer page; its terms were not retrievable
Eligibility
- Age
- 21–65 years
- Documents
- Primary holder aged 21-65, add-on holders 18+; income criteria were not visible on the archived issuer page.
Read the full application walkthrough: Kotak Delight Credit Card apply guide.
Status: discontinued — not open to new applications. FinWiz24 keeps this page for reference; figures shown are the issuer’s last published terms where verifiable, otherwise unlisted.
Fees and charges
- Joining fee: Rs 1,999
- Annual fee: Rs 299 — Rs 50,000 retail spends in the previous anniversary year
- Fuel surcharge: 1% — 1% waiver on Rs 400-4,000 fuel transactions, up to Rs 4,500 a calendar year
Rewards
- DINING: 10% cash-back on stand-alone restaurant dining (VISA Restaurant MCC); Rs 600 a month cap across dining and entertainment; needs Rs 10,000 of other spends in the cycle (Cap: Rs 600 (dining plus entertainment combined)) Redemption: Cash-back credited in the next billing cycle.
- ONLINE: 2 Reward Points for every Rs 100 spent online
Benefits
- PVR milestone: 4 free PVR tickets or 10,000 reward points for spending Rs 1,25,000 every six months
- Dining cash-back: 10% cash-back on stand-alone restaurant spends, up to Rs 600 a month with Rs 10,000 of other monthly spends
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions of Rs 400-4,000, capped at Rs 4,500 a calendar year
- Delight Shield: Delight Shield cover is named on the final issuer page; its terms were not retrievable
Eligibility
- Age: 21-65 years Primary holder aged 21-65, add-on holders 18+; income criteria were not visible on the archived issuer page.
Terms last reviewed 3 Sept 2026 against issuer-published schedules.
Issuer: Kotak Mahindra Bank. FinWiz24 may earn a commission from application links; scoring is unaffected — see our affiliate disclosure.
Step-by-step application guide: Read the Kotak Delight Credit Card apply walkthrough →
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Frequently asked questions
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Does the Kotak Delight Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.