Kotak Delight Platinum vs Kotak PVR Platinum
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Kotak PVR Platinum Credit Card wins 3 of 8 dimensions with a CardTrail Score of 6.0/10 vs 5.9/10.
| Feature | Kotak Delight Platinum | Kotak PVR Platinum |
|---|---|---|
| CardTrail Score | 5.9/10 | 6.0/10 |
| Annual Fee | ₹299 | ₹999 |
| Base Reward Rate | 0.5% | 0.5% |
| Max Reward Rate | 2% | 3% |
| Forex Markup | 4% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Kotak Delight Platinum
- You can meet the fee waiver condition: Spend ₹1.5L/year
- Your primary spend is: cashback, shopping
When to Choose Kotak PVR Platinum
- You can meet the fee waiver condition: Spend ₹1L/year
- You travel internationally — saves ₹500/year on ₹1L forex spend
- You want higher rewards — up to 3% vs 2%
- Your primary spend is: movies, entertainment
Forex Cost Comparison
On ₹1,00,000 annual international spending: Kotak Delight Platinum costs ₹4,720 in forex fees vs Kotak PVR Platinum at ₹4,130. You save ₹590/year with Kotak PVR Platinum.
Annual Fee Value Analysis
To break even on Kotak Delight Platinum's ₹299 fee at 0.5% rewards, spend ₹4,983/month.
To break even on Kotak PVR Platinum's ₹999 fee at 0.5% rewards, spend ₹16,650/month.