Heads-up: Kotak Delight Credit Card is no longer openly issued, so some figures below may be stale. The application steps still show how issuer applications generally work.

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.

Kotak Delight

How to Apply for the Kotak Delight Credit Card in 2026

How to apply Total time: 10 min · You’ll need: PAN, Aadhaar, mobile, salary slips (if required)

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

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.
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.
Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
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.
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.
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.
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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

Kotak credit cards — product page (verified 5 September 2026).
Reserve Bank of India — Master Direction on Credit Card and Debit Card Issuance (verified 5 September 2026).

Hidden caps on credit-card rewards — what issuers don’t shout about — monthly and quarterly caps that quietly throttle otherwise-high reward rates
How rewards programmes are designed (and what that means for you) — the rule of 1% interchange and why issuers gate rewards behind caps
Tax on credit-card rewards in India — what gets reported — when reward redemptions cross into taxable territory
Understanding MCC codes on Indian credit cards — the merchant-category codes that decide whether a transaction earns rewards