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Delight Platinum
Annual Fee
₹499
Rewards/₹100 ⓘ
₹0.33
Normalized to balance base rate with bonus categories
Interest Rate
42.00%
Credit Score
700+
At a Glance
Key Benefits
2 reward points per Rs.150 spent, fuel surcharge waiver, EMI conversion available
Lounge Access
Not available
Eligibility
Salaried: Rs.25,000+/month, Age: 21-60, CIBIL: 700+
Quick Details
Annual Fee
₹499
#75
Joining Fee
₹499
#78
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.33
#270
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+
#54
Min Monthly Income ₹25
Network VISA
Cash Advance Fee 2.50% (min ₹500)
Late Payment Fee ₹500
Over Limit Fee 2.50% (min ₹500)
Fee Waiver on Spend ₹50,000/yr
Reward Structure
Base
All Spends
₹0.33 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Quick Analysis
Good card for dining and entertainment spenders with 10% conditional cashback on meals and movies.
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best For
Diners and movie lovers with Rs 10K+ monthly spend
Not Ideal For
Those seeking travel benefits or unconditional rewards
Frequently Asked Questions
What is the annual fee for Delight Platinum?
Yes, the annual fee is ₹499. The fee can be waived on annual spending of ₹50000.
Is there a joining fee for Delight Platinum?
Yes, the joining fee is ₹499.
What rewards does Delight Platinum offer?
You can earn rewards worth up to ₹0.33 per ₹100 spent. The base reward rate is ₹0.33 per ₹100.
Does Delight Platinum offer lounge access?
This card does not include complimentary lounge access.
What is the eligibility for Delight Platinum?
To apply for Delight Platinum, you need minimum age of 21 years, minimum monthly income of ₹25000, credit score of 700+.
User Reviews
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