Questions about How to Apply for the Kotak Delight Credit Card in 2026

How to Apply for the Kotak Delight Credit Card in 2026

Apply for the Kotak Delight Credit Card with 3X reward points on dining and movies. Eligibility, benefits, and the application process.

FinWiz24 Editorial

Published 22 February 2026

Updated 18 June 2026

3 min read

How to Apply for the Kotak Delight Credit Card in 2026

The Kotak Delight Credit Card is a lifetime-free lifestyle card with 3 reward points per ₹150 on dining and movies, 1 reward point per ₹150 on all other retail, 1% fuel surcharge waiver, and 1 free domestic lounge visit per year. The card is targeted at urban users who spend moderately on dining and entertainment.

Why this matters

Delight is one of the few lifetime-free cards with 1 free lounge visit per year. The 3 reward points per ₹150 on dining and movies is competitive with paid cards. The 1% fuel surcharge waiver is a useful secondary benefit.

Card: kotak-delight View Card

How to Apply for the Kotak Delight Credit Card in 2026

How to

How to Apply for the Kotak Delight Credit Card in 2026

Apply for the Kotak Delight Credit Card with 3X reward points on dining and movies. Eligibility, benefits, and the application process.

Time: 10mCost: Free

What you'll need

PAN
Aadhaar
mobile
salary slips (if required)

1
Check Delight eligibility
You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.
2
Apply online via Kotak website
Visit kotak.com → Cards → Credit Cards → Delight. Click Apply Now. The form is pre-filled if you are an existing Kotak customer.
3
Complete the application
Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
4
Complete Aadhaar eKYC
Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
5
Submit and track
Submit the form. The 12-digit application reference is shown. Track status in Kotak Mobile Banking. Approval takes 5–10 working days.
6
Receive the card and activate
Once approved, the card is delivered within 5 working days. Activate via IVR, Kotak Mobile Banking, or at any Kotak ATM by setting a 4-digit PIN.
7
Use for dining and movies
Use the card at restaurants and cinema halls to earn 3 reward points per ₹150. Track points in Kotak Mobile Banking.
8
Use the 1 free lounge visit
The card includes 1 domestic lounge visit per year via Dreamfolks. Register on Dreamfolks and link the card before your first travel.

Common mistakes to avoid

The 3 reward points is restricted to direct POS transactions — Swiggy and Zomato do not qualify. The 1 free lounge visit is via Dreamfolks — register before your first travel.

Pro tips

Use Delight for offline dining and movies to maximise 3 reward points
Pair with Kotak 811 Dream for online shopping
Register on Dreamfolks and link the card before your first trip
Chase the 1 free lounge visit with a quarterly flight booking

Frequently asked questions

Is Kotak Delight lifetime free?

Yes. The card has no joining or annual fee. There is no fee waiver target.

What is the 3X cap?

3 reward points on dining and movies is uncapped. 1 reward point on all other retail is also uncapped.

Does the 3X apply to Swiggy?

No. The 3 reward points is restricted to offline POS transactions.

Material Connection: Some of the links in this content may be affiliate links, meaning we may earn a commission at no extra cost to you if you apply through our links.

Written by FinWiz24 Editorial

Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.