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Kotak Mojo Platinum Credit Card
Visa, Mastercard, RuPay 📡 Contactless NFC

Kotak Mojo Platinum Credit Card

Joining Fee₹1,000
Annual Fee₹1,000
Forex Markup 3.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

Online shoppers wanting a flat 2.5% return (1 Mojo Point = ₹0.40 / 1 Air Mile) on all e-commerce purchases with domestic airport lounge access and RuPay UPI support.

Who Should Avoid

Users who cannot meet the ₹50,000 quarterly spend threshold for lounge access.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

2,500 bonus Mojo Points upon spending ₹75,000 in the first quarter from card setup

2.5% Returns on Online Spends

Earn 2.5 Mojo Points per ₹100 (2.5% return) on all online retail shopping transactions.

Domestic Airport Lounge Access

8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter on min ₹50,000 quarterly spend).

2,500 Quarterly Bonus Points

2,500 bonus Mojo Points (worth ₹1,000) on achieving quarterly spends of ₹75,000 in the first card year.

💰 Reward Structure & Point Valuation

1 Mojo Points = ₹0.4
Standard Base Earning
1 Mojo Point per ₹100 spent on all other retail transactions (1.0% return; 1 Mojo Point = ₹0.40); 1 Mojo Point per ₹100 on utility bills (capped at ₹50,000 spend/month)
Accelerated / Partner Rate
2.5 Mojo Points per ₹100 (2.50% return; 1 Mojo Point = ₹0.40) on all online retail shopping; 2,500 bonus Mojo Points on ₹75k quarterly spend in Year 1
Points Validity:24 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: 1:1 Air Mile Transfers (Air India Flying Returns, KrisFlyer at 1 Mojo Point = 1 Air Mile), Direct Statement Cash Credit (1 Mojo Point = ₹0.40), Brand Vouchers & Electronics Catalog
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads Rent Payments Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active
🛫
Domestic Lounge Visits8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter)
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: Requires minimum retail spend of ₹50,000 in the previous calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹100,000/yr
Annual renewal fee of ₹1,000 + GST is waived off on spending ₹1,00,000 or more in the previous anniversary year
UPI Payments Support✓ Supported (RuPay)
1 Mojo Point per ₹100 on eligible RuPay merchant UPI transactions
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹500 and ₹5,000 (Capped at ₹290/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 60 Years
Min. Monthly Income₹25,000
Min. Credit Score750 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,200
Official Bank Portal Application

Get the Kotak Mojo Platinum Credit Card

Annual Fee: ₹1,000/yr (Waivable)

Personalized Card Matcher

Still Confused About Your Best Match?

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🔍 Related Credit Card Collections

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Frequently Asked Questions

No, Kotak Mojo Platinum Credit Card has a joining fee of ₹1000 and an annual renewal fee of ₹1000 (plus applicable taxes).