Kotak Mahindra Delight Platinum Card: Best Dining Credit Card in India?

Kotak Mahindra Delight Platinum Card: Best Dining Credit Card in India?

The Kotak Delight Platinum Card is not the best card for all consumers, but can be great for high spenders seeking a credit card for dining and movies. For instance, the card earns a best-in-market 10% cashback on both dining and movie spends; however, to earn this rate, the cardholder is required to spend Rs. 10,000 each month on categories other than dining and entertainment. For those who do not spend Rs. 10,000 per month on other categories will not benefit from this card. Notably, the card does not earn any other rewards for other spending categories. With this in mind, the card is best used by high spenders seeking a credit card to use on dining and movie spending.

ProsCons
  • 10% cashback on both dining and movie spends
  • Required to spend Rs. 10,000 per month for the cashback rate
  • Joining fee: Rs. 1,999
Promotions:
  • Anniversary Bonus: Spend ₹ 125,000 every 6 months and get ₹ 750 cashback or 4 free PVR tickets
Card Overview
Pros:
  • 10% cashback on both dining and movie spends
Cons:
  • Required to spend Rs. 10,000 per month for the cashback rate
  • Joining fee: Rs. 1,999
Promotions:
  • Anniversary Bonus: Spend ₹ 125,000 every 6 months and get ₹ 750 cashback or 4 free PVR tickets

What Makes Kotak Mahindra Delight Platinum Card Stand Out?

The Kotak Delight Platinum Card offers the highest cashback rate for dining and movie spending, as long as the cardholder reaches the minimum monthly spend requirement. For example, it earns 10% cashback on both dining and movie spends, but requires a minimum of Rs. 10,000 to be spent per month on other categories (not dining and entertainment) for the cashback rate to take effect. Notably, the maximum cashback of Rs. 600 including both dining and entertainment monthly and transactions up to Rs. 4,000 are eligible for cashback. Although the card requires the cardholder to spend on other categories, it does not earn cashback or rewards on any spends outside of dining and entertainment. On the other hand, the card earns a great promotion offered in the form of either cash or movie tickets. All things considered, this card is only useful for high spenders that are looking for a cashback option to use on dining and movie spending.

How Does the Kotak Mahindra Delight Platinum Rewards Programme Work?

The Kotak Mahindra Delight Platinum Card's reward program is cashback based that offers great cashback on both dining and movie spending. The card earns a 10% cashback on both dining and movie spending. The card does not earn rewards on any other spending category. Points expire 2 years after accrual.

  • 10% cashback on both dining and movie spending with a maximum cap of Rs. 600
  • Points expire 2 years after accrual

Kotak Mahindra Delight Platinum Credit Card's Features and Benefits:

Card Overview
  • Joining Fee: Rs. 1,999
  • Annual Fee: Rs. 299
  • Income Requirement: None listed by issuer
  • Age Requirement: 21-65
Rewards Rate Details
  • 10% cashback on dining and movie spending
Promotions:
  • Anniversary Bonus: Spend ₹ 125,000 every 6 months and get ₹ 750 cashback or 4 free PVR tickets

How Does the Kotak Mahindra Delight Platinum Credit Card Compare Against Other Cards?

The Kotak Delight Card is a great credit card for high spenders that are frequently spending on dining and movies. Read our comparisons of the Kotak Mahindra Delight Platinum Credit Card:

Graph showing India’s Best Dining Cards for Consumers Spending approximately Rs. 47,000 per month

Kotak Mahindra Delight Platinum Card vs. Kotak Mahindra Essentia Card

Consider this if you are interested in the best cashback rate for groceries

Age Requirement 21-65
Annual Income Requirement None listed by issuer

The Kotak Mahindra Essentia Platinum Card is the best cashback credit card on the market for groceries. The card offers 10% cashback (10 Saving Points per Rs. 100 spent; 1 point = Rs. 1) on both groceries and retail. Similarly, the Delight Card earns 10% cashback but on dining and movies spending. The difference; however, is that in order to avail the 10% cashback the cardholder is required to spend Rs. 10,000 on other categories each month. Both cards also earn little to nothing on general spending. Therefore, the Essentia Card is best suited for high spenders who frequently spend on groceries and retail, whereas high spenders who spend more on dining and movies are better suited for the Delight Card.

Kotak Mahindra Delight Platinum Card vs. SBI Card PRIME

Consider this if you are interested in a more versatile card that is also the best for utility spending in India

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The SBI Card PRIME is the best credit card for utility bill payments in India. The Prime Card earns a rewards rate of 5% (20 points per Rs. 100 spent; 4 points = Rs. 1) on utility bill spends. The SBI Card PRIME also earns a solid 2.50% (10 points per Rs. 100 spent) on dining, groceries, retail and movie spends, further showcasing the versatility of this card versus the Delight Card. Furthermore, Prime Card earns a 3.75% (15 points per Rs. 100 spent) on online groceries from BigBasket. The card may be a good fit to a wider array of consumers, but it does not match the 10% earned on dining and movie spends of the Delight Platinum. Still, the Delight Card does not earn anything for spending on other categories. Due to these factors, we recommend the Prime Card to those seeking a card utility bills with added versatility and we recommend the Delight Card for high spenders who frequently go out to eat and see movies.

Kotak Mahindra Delight Platinum Card vs. SimplySAVE SBI Card

Consider this if you are seeking a rewards card with great lounge access

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The SimplySAVE SBI Card is a solid credit card for those seeking a card for dining, groceries, movies and retail spending. In terms of rewards, the SimplySAVE Card earns 2.50% (10 points per Rs. 100, 1 point = Rs. 0.25) on all four categories, which is not as high as the 10% cashback offered by the Delight Card for dining and movies. However, the Delight Card has a much higher joining fee (Rs. 1,999) compared to the SimplySAVE card's fee (Rs. 499). Additionally, the cardholder will have to spend Rs. 10,000 per month to be eligible for the 10% cashback, making it suitable only for high spenders. As a result, we recommend the SimplySAVE for consumers seeking a card for dining, groceries, movies and retail for a relatively low-fee. However, we recommend the Delight Card for high spenders who are interested in acquiring a card to use for dining and movies, specifically.

Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.