Joining Fee
₹1,000
Annual Fee
Rs. 1000 (Reversed on annual spends of Rs. 1 Lakhs)
Mojo Platinum Credit Card
Rewards Structure
Base Reward Rate
1% on spends
Point Value
1 Point = ₹0.25
Points Validity
24 Months
Pros
- 2.5 Mojo points per Rs.100 on online spends
- 8 complimentary airport lounge visits annually
- Fuel surcharge waiver up to Rs.3,500 annually
- Joining and annual fee waiver on meeting spend thresholds
- Milestone bonus of 2,500 Mojo points quarterly
Cons
- No Mojo points earned on fuel transactions
- No Mojo points on cash withdrawals
- Lounge access from June 2025 requires Rs.75,000 quarterly spend
- Milestone benefit valid only for first year
- Card is discontinued (no new applications)
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
From June 2025, Mojo points on education and insurance capped at Rs.70,000 per statement cycle each
From June 2025, Mojo points on utility spends capped at Rs.50,000 per statement cycle
From June 2025, Mojo points on government spends capped at Rs.40,000 per statement cycle
From June 2025, no Mojo points on wallet load, fuel, rent, and online skill-based gaming
From June 2025, utility, wallet load, fuel, online gaming, insurance, government, rent, and education spends excluded from milestone calculation
Lounge access from June 2025 conditional on Rs.75,000 spend in previous calendar quarter
Key Benefits & Features
Joining fee of Rs.1,000 waived on spending Rs.30,000 in first 90 days after card issuance.
Annual fee waived on spending Rs.1,00,000 annually.
Railway surcharge waiver: 1.8% on IRCTC website and 2.5% at railway booking counters, max Rs.500 per anniversary year.
EMV Chip embedded card with 6-digit PIN authentication for enhanced security.
Eligibility Criteria
Min. Annual Income
₹0.3 Lakhs
Occupation
Required Documents
IDENTITY Proof
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
About Mojo Platinum Credit Card
The Kotak Mojo Platinum Credit Card is designed to make every rupee spent more rewarding, with a tagline that promises to "Raise Your Life Game." Built for online shoppers, frequent travelers, and fuel spenders, this Visa-powered card offers a compelling blend of lifestyle and everyday benefits. Cardholders earn unlimited 2.5 Mojo points for every Rs. 100 spent online and 1 Mojo point per Rs. 100 on all other eligible spends, making it especially attractive for those who shop digitally. Beyond rewards, the card delivers meaningful travel perks, including 8 complimentary airport lounge visits annually within India, capped at 2 per quarter. Fuel enthusiasts benefit from a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000, with a maximum annual waiver of Rs. 3,500. Railway surcharge waivers are also available for IRCTC transactions. A quarterly milestone bonus of 2,500 Mojo points is available for spending Rs. 75,000 during the first year of card issuance. Fee waivers add further value — the joining fee of Rs. 1,000 is waived on spending Rs. 30,000 within the first 90 days, while the annual fee is waived upon reaching Rs. 1 lakh in yearly spends. Additional features include EMV chip security, a 6-digit PIN, add-on card options, and a priority callback service, making this a well-rounded card for active spenders.
Our Verdict
Earn 2.5x Mojo points on online spends with lounge access, fuel waiver & milestone rewards.
Frequently Asked QuestionsAbout Mojo Platinum Credit Card
FEESWhat is the joining fee for the Kotak Mojo Platinum Credit Card?
FEESWhat is the annual fee for the Kotak Mojo Platinum Credit Card, and how can it be waived?
REWARDSHow many Mojo points do I earn on online and other spends?
REWARDSAre there any caps on earning Mojo points for specific spend categories?
REWARDSWhat is the Milestone Benefit on the Kotak Mojo Platinum Credit Card?
BENEFITSHow many complimentary airport lounge visits do I get with this card?
BENEFITSWhat is the fuel surcharge waiver offered on the Mojo Platinum Credit Card?
BENEFITSIs there a railway surcharge waiver on the Mojo Platinum Credit Card?
APPLICATIONCan I apply for the Kotak Mojo Platinum Credit Card?
USAGEWhat add-on card facility is available with the Mojo Platinum Credit Card?
OTHERWhat security features does the Kotak Mojo Platinum Credit Card offer?
USAGEDoes the Kotak Mojo Platinum Credit Card support contactless payments?
INTERNATIONALAre there any international transaction benefits or forex markup charges on this card?
OTHERHow can I contact Kotak Mahindra Bank for assistance with my Mojo Platinum Credit Card?
REWARDSHow can I redeem my Mojo points earned on the Mojo Platinum Credit Card?
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