Kotak Mojo Platinum Credit Card
Kotak bank KOTAK Bank

Kotak Mojo Platinum Credit Card

cat name Reward Points
cat name Shopping

Best Suited For: Online Shopping & Rewards

Joining Fee: ₹1,000* Plus Applicable Taxes

Renewal Fee: ₹1,000* Plus Applicable Taxes

cat name Reward Points
cat name Shopping

Best Suited For: Online Shopping & Rewards

Joining Fee: ₹1,000* Plus Applicable Taxes

Renewal Fee: ₹1,000* Plus Applicable Taxes

Best Features:- 2.5 Mojo points per Rs. 100 spent online

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The Kotak Mojo Platinum Credit Card is designed for wise spenders. With this card cardholders can maximize rewards on online purchases while enjoying exclusive travel and lifestyle perks. With a joining fee of ₹1,000, it offers 2.5 Mojo Points for every ₹100 spent online and 1 Mojo Point on offline spends. It also offers 8 complimentary domestic lounge visits annually and waivers on fuel surcharges. It brings value, convenience, and luxury to your everyday transactions.

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All You Need To Know

Card Type

Online Shopping & Rewards

Reward Points
  • Earn 2.5 Mojo Points for every Rs. 100 spent online.
  • Get 1 Mojo Point for every Rs. 100 spent on other transactions (excluding fuel and cash withdrawals).
  • Mojo Points remain valid for 2 years from the date of accrual.
  • Enjoy a quarterly bonus of 2,500 Mojo Points by spending Rs. 75,000 within the first year.
Milestone Rewards
  • Earn 2,500 bonus Mojo Points per quarter for spending Rs. 75,000, valid only for the first year.
  • Points are credited within 45 days after the quarter ends.
Travel Benefits
  • Access 8 complimentary airport lounge visits annually via DreamFolks, with a cap of 2 visits per quarter.
  • Lounge access is valid at both domestic and international lounges in India.
Surcharge Benefits
  • 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 (maximum waiver: Rs. 3,500 per year).
  • Railway surcharge waivers:
    • 1.8% on IRCTC online bookings.
    • 2.5% on bookings at Indian Railways counters.
    • Maximum annual waiver: Rs. 500.
Annual Fee Waiver
  • Spend Rs. 1,00,000 annually to waive off the card’s annual fee.
Add-On Cards
  • Add-on cards come with the same benefits as the primary card.
  • Customize spending limits and track expenses for each add-on card separately.
  • Add-on card issuance fee: Rs. 299.
Mojo Points Redemption
  • Redeem Mojo Points for:
    • Re. 0.40 per point when applied towards statement credit (minimum redemption: 2,500 points).
    • Re. 0.25 per point for other redemption options.
Security Features
  • EMV chip-enabled card ensures enhanced transaction security.
  • 6-digit PIN authentication for additional safety.
  • Visa PayWave technology allows you to make payments up to Rs. 5,000 with just a wave, without entering a PIN.
Simple Payment Methods
  • Send an SMS to 5676788 for bill payments, or use Kotak’s complimentary cheque pick-up service.
Best Feature
  • Online Rewards
    • Earn 2.5 Mojo Points per Rs. 100 spent online, ideal for frequent online shoppers.

Kotak Mojo Platinum Credit Card Eligibility:

Criteria Details
Age 21 to 65 years
Occupation Salaried or Self-employed
Minimum Income Rs. 4 Lakh p.a.
Serviceable Cities Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
Documents Required Click here for the list of documents required

Below mentioned are The Kotak Mojo Platinum Credit Card fees and other charges:

Type of Fee or Charge Amount
Joining Fee Rs. 1,000 (waived off on spending Rs. 30,000 in the first 90 days)
Annual Fee Rs. 1,000 (waived off on spending Rs. 1 Lakh in the preceding year)
Finance Charges 3.5% p.m. (42% p.a.)
Late Payment Charges For Outstanding Amount:
  • Less than or equal to Rs. 500: Rs. 100
  • Between Rs. 501 to Rs. 10,000: Rs. 500
  • Above Rs. 10,000: Rs. 700

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FAQs

No, you cannot earn reward points on fuel transactions, but you can avail of a 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000. The maximum waiver is capped at ₹3,500 per calendar year.

You can apply online via the bank's official website by filling out the application form or offline by visiting the nearest Kotak Mahindra Bank branch. Make sure to submit all the necessary documents.

The annual fee for this card is ₹1,000, along with a joining fee of ₹1,000. But the joining fee can be waived if you spend ₹30,000 or more within the first 90 days of card issuance.

Mojo Points are valid for one year from the date of accrual.

Yes, Mojo Points can be redeemed against your outstanding statement at the rate of 1 Mojo Point = ₹0.40.

Yes, you get two complimentary domestic or international lounge visits per quarter.

You can avail railway surcharge waiver of 1.8% for bookings made on the IRCTC website and 2.5% for tickets booked at Indian Railways counters. The annual cap for this benefit is ₹500.

The foreign currency markup fee is 3.5% on all international transactions.

Mojo Points can be redeemed for cash, airline tickets, movie tickets, mobile recharge, branded merchandise, or directly at Kotak Rewards.

You can activate the card by logging into your Kotak internet banking account and linking the card. Alternatively, you can visit an ATM, insert your card, and follow the steps to generate a PIN or activate the card.

Here are some of the links that will help you manage your Kotak Credit Card, you can click on them as per your requirements:

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