Who doesn’t love a Credit Card that can give you free movie tickets and discounts at your favourite restaurant? Kotak Delight Credit Card does exactly that and some more. Read on to know what the card has to offer.

Cashback On Dining

How? If you spend a minimum of Rs. 10,000 on categories other than dining and entertainment, you can get a 10% cashback on dining every month.

Where? This cashback is applicable on all spends at your preferred coffee shops, fast food joints, pizza joints, pubs and restaurants. Yay! This is as long as the outlet is classified under the “Restaurant” Merchant Category Code (MCC) as per rules laid down by VISA. Don’t worry! Popular outlets such as Café Coffee Day and Dominos are on the list.

When? This offer is for all 365 days in a year.

Limits? The maximum cashback will be Rs. 600 per billing cycle.

The cashback for a particular billing cycle will get credited in the next billing cycle.

Cashback On Movies

How? If you spend a minimum of Rs. 10,000 on categories other than dining and entertainment, you can get a 10% cashback on movies every month.

Where? This cashback is applicable on all spends at your preferred movie theatres and plays. This is as long as the outlet is classified under the “Entertainment” MCC as per rules laid down by VISA.

When? This offer is for all 365 days in a year.

Limits? The maximum cashback will be Rs. 600 per billing cycle. Note that this is combined limit for both movie and restaurant cashback.

The cashback for a particular billing cycle will get credited in the next billing cycle.

Get Free Movie Tickets!

If you spend Rs. 1.25 lakh every 6 months, you get 4 free PVR movie tickets. You can get up to 8 free tickets a year. You need to claim your PVR tickets within 3 months after the period during which you made spends.

Fuel Surcharge Waiver

What? This waiver is applicable on all fuel spends between Rs. 400 and Rs. 4,000.

Limits? Maximum fuel surcharge waiver is capped at Rs. 4,500 for a calendar year.

Railway Surcharge Waiver

Book tickets on the Indian Railways Catering and Tourism Corporation (IRCTC) website often? You don’t have to pay the surcharge for your ticket bookings. This is also applicable to bookings made at the Indian Railways Booking Counters.

Limits? The maximum waiver is capped at Rs. 500 for a calendar year.

Get Shielded

In case your Credit Card gets stolen, Kotak provides you with a cover of Rs. 75,000 against any fraudulent transactions using your Credit Card. This is up to 7 days before you actually report your card. But it is best to report the loss of your card immediately.

Get An Add-On

Your add-on Kotak Delight card will have the same benefits as your actual card. You can set a spending limit for your add-on card if you so wish. You can also track spends for each of your cards separately.

Eligible, Are You?

You need to be between 21 years and 65 years of age to be eligible for this card. The add-on cardholder needs to be 18 years and above.

The Cost Advantage?

While other banks charge you for checking your balance at other bank ATMs, Kotak doesn’t charge you anything. Similarly, there are no charges for duplicate statements.

Joining Fee

You will need to pay a joining fee of Rs. 1,999 the first year alone.

Annual Fee

The annual fee will be Rs. 299 from the second year onwards.

Worried about the fees? Don’t be! If you look at how much you can save using the card each year, you will not feel the pinch.

How much can you save?

Here’s an example of how much you could save using the Kotak Delight Credit Card.

Credit Card expenses	Savings -Year 1	Savings -Year 2 and onwards
10 % cash-back on dining and movie spends for a monthly spend of Rs. 6,000	7,200	7,200
8 PVR Tickets on spending Rs. 1,25,000 every 6 months	2,000	2,000
Fuel surcharge waiver on a monthly spend of Rs. 10,000	1200	1200
Railway surcharge waiver on a monthly spend of Rs. 2,000	240	240
Total savings in a year	12,700	12,700
Joining fee (applicable only in the 1st year)	1,999	0
Annual Fees	0	299
Net Savings in a year after paying the fees	8,641	10,341

*as per information on Kotak.com

This card is internationally valid and you can enjoy an interest-free period of 48 days.

Not convinced? We have plenty of other cards with zero annual fees and amazing joining perks. What are you waiting for?