Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Kotak Mojo Platinum Credit Card

    The Kotak Mojo Platinum Credit Card by Kotak Mahindra Bank has been curated to balance your travel, rewards, and milestone benefits. Every swipe with this card will earn you reward points that can be redeemed later. The card comes at a joining fee of Rs.1,000.

    Key Benefits of the Kotak Mojo Platinum Credit Card

    • Earn 2.5 Mojo points for every Rs.100 on other online spends.
    • Get 8 free airport lounge access annually within India (2 visits per quarter).
    • Earn 5 Mojo points for every Rs.100 you spend on all KayMall spends.

    Benefits of the Kotak Mojo Platinum Credit Card

    Mojo point benefits

    • Earn 5 Mojo points for every Rs.100 you spend on all KayMall spends.
    • Earn 1 Mojo point for every Rs.100 on all other spends
    • Earn 2.5 Mojo points for every Rs.100 on other online spends.

    Shop more earn more benefits

    • Every time you spend Rs 2,000 or more on KayMall, you earn 5 Mojo points for every Rs. 100.

    Travel and airport lounge benefits

    • Get 8 free airport lounge access annually within India (2 visits per quarter).

    Fuel surcharge benefits

    • Get 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000.
    • Get a maximum fuel waiver of Rs.3,500 in every calendar year

    Railway Surcharge Waiver

    • You can save railway surcharge of 1.8% for transactions on www.irtc.co.in
    • Save 2.5% for transactions on Indian Railways Booking Counters.
    • The maximum surcharge waiver in a calendar year is Rs.500.

    Value Chart of the Kotak Mojo Platinum Credit Card

    Items Value
    Monthly Spends Rs.30,000
    Joining Fee Rs.1,000
    Annual Fee Rs.1,000
    Value Builders
    Mojo points value on Kaymall spends of Rs.15,000 Rs.5,400
    Mojo points value on other online spends of Rs.20,000 Rs.3,600
    Mojo points value on all other spends of Rs.15,000 Rs.1,080
    Domestic Lounge access (if 5 visits used out of available 8 visits annually - 2 per qtr) Rs.4,750
    Value of Quarterly Milestone for the first year Rs.4,000
    Fuel surcharge waiver annual benefit Rs.3,500
    Annual fees waiver benefit Rs.1,000
    Joining fees waiver benefit Rs.1,000
    Value delivered per annum Rs.22,330

    Fees and Charges of the Kotak Mojo Platinum Credit Card

    Fee & other Parameters Amount
    Joining Fees Rs.1,000
    Annual Fees Rs.1,000
    Condition for waiver of Joining Fees retail spends of Rs.30,000 in first 90 days
    Condition for waiver of Annual Fees - First Year Annual retail Spends of Rs.1 lakh
    Condition for waiver of Annual Fees - Second Year Annual retail Spends of Rs.1 lakh
    Addon card Fees Rs.299
    Interest Charges on outstanding Balances 3.5% (Annualized 42%)
    Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due) MAD can be 5% or 10% of TAD as decided by the Bank
    ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof Rs.300
    Late Payment Charges ("LPC")
    • Rs.100 for statement o/s less than or equal to Rs.500
    • Rs.500 for statement o/s between Rs.501 to Rs.10,000
    • Rs.700 for statement o/s greater than Rs.10,000
    Over Limit Charge Rs.500
    Cheque Bounce Charges Rs.500
    Foreign Currency Mark Up 0.035
    Railway Booking Surcharge (1.8%/2.5% on transaction amount) Waived
    Fuel Surcharge (1% on transaction) Waived
    Fee for Cash payment at Bank Rs.100
    Outstation Cheque Processing Fee Waived
    Reissue/ Replacement Card (per issuance) Rs.100
    Charge Slip Request Waived
    Machine Surcharge at ATMs Waived
    Balance Enquiry Charges at Non-Parent Bank ATM Waived
    Duplicate Statement Request Waived
    Web Pay Service Fee Waived
    Furnishing a copy of Credit Information Report (CIBIL) Rs.50

    Documents Required to Apply for the Kotak Mojo Platinum Credit Card

    Income proof (For self-employed)
    • Recent ITR (Income Tax Returns)
    • Audited profit and loss statement or balance sheet
    Address proof (any one)
    • Passport
    • Telephone bill
    • Aadhaar card
    • Electricity bill
    • Rental agreement
    • Ration card
    Income proof (For salaried)
    • Recent salary slips
    • Salary certificate
    • Employment letter
    Proof of Identity (any one)
    • Voter's ID card
    • Ration Card
    • PAN Card
    • Passport
    • Driving licence
    • Aadhaar card

    Eligibility Criteria for Kotak Mojo Platinum Credit Card

    • You should be in the age bracket of 21 years to 65 years.
    • The add-on card holder has to be 18 years of age and above.
    • Your net income should be Rs.4 lakh and above per year.
    • You should be a resident of India

    FAQs on Kotak Mojo Platinum Credit Card

    1. How many airport lounge visits can I get in a quarter?

      You can get 2 visits per quarter.

    2. Can I redeem my reward points?

      Yes, you can redeem them through cash, airline tickets, movie tickets, mobile recharge, or branded merchandise.

    3. Can I earn reward points on my fuel expenses?

      No, you will not earn reward points on your fuel expenses, but you will get a fuel surcharge waiver. Get You can 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000. Get a maximum fuel waiver of Rs.3,500 in every calendar year.

    4. To get the railway waiver, should I book only through IRCTC?

      Yes, you should book your tickets via to get the railways waiver.

    5. For how long are my Mojo points valid?

      Mojo points are valid for 1 year from the date of accrual.

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