Kotak Mojo Platinum Credit Card
Updated on September 1, 2026
🎖️Reward Rate
2.5 Mojo points (1% value) per ₹100 spent on all online retail shopping
Overview
Experience Kotak Mojo Platinum Credit Card to Earn Mojo points, enjoy lounge access & fee waivers. Apply now & elevate your shopping experience at Kotak Mahindra Bank.
Rewards
Reward Type
Reward Points
Reward Rate
- • 2.5 Mojo points (1% value) per ₹100 spent on all online retail shopping
- • 1 Mojo point (0.4% value) per ₹100 spent on all other retail transactions
Welcome Benefit
1,500 bonus Mojo Points (worth ₹600) upon payment of joining fee and spending ₹9,000 within first 90 days.
Milestone Benefit
100% annual fee waiver of ₹1,000 on spending ₹1 Lakh in preceding year; 2,500 bonus Mojo Points on spending ₹1 Lakh every calendar quarter
Redemption
- • Redeem Mojo points for flights, hotels, and brand e-vouchers on Kotak Mojo portal (1 Mojo Point = ₹0.40)
- • Redeem as direct statement cashback credit (1 Mojo Point = ₹0.40)
Benefits
- Domestic Lounge: 8 visits per year (2 per quarter) visits
- 1% Fuel Surcharge Waiver: 1% fuel surcharge waiver across all petrol pumps in India for transactions between ₹500 and ₹3,000.
Things to Know Before you apply
Kotak Mojo Platinum Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried or Self-Employed with minimum annual income of ₹4,00,000
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of withdrawn amount (min ₹500) |
Fee waiver: Spend ₹1,00,000 or more in preceding year for 100% annual renewal fee waiver.
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The Kotak Mojo Platinum Credit Card: Rewards & Benefits | Kotak Mahindra Bank issued by Kotak is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.
Pros
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
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- • 1,500 bonus Mojo Points (worth ₹600) upon payment of joining fee and spending ₹9,000 within first 90 days.
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
- • 2.5 Mojo points (1% value) per ₹100 spent on all online retail shopping
- • 1 Mojo point (0.4% value) per ₹100 spent on all other retail transactions
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • 24 Reward Points per ₹150 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
- • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
- • 2 Reward Points per ₹150 on all other categories
- • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets
- • High value reward program
- • Wide merchant acceptance
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
- • Low ₹499 joining and annual fee
- • 4 complimentary domestic lounge visits per year
- • Annual fee waiver on ₹50,000 spend
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
- • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
- • No specific minimum income figure disclosed