Kotak Mojo Platinum Credit Card

Mojo Points

2.5 Mojo points for every Rs.100 spent online. 1 Mojo point for every Rs.100 spent on all other transactions (excluding fuel and cash withdrawals).

Milestone Rewards

2,500 Mojo points per quarter on spending Rs.75,000 (first year only). Points credited within 45 days after quarter end.

Airport Lounge Access

8 complimentary DreamFolks airport lounge visits annually (2 per quarter).

Fuel Surcharge Waiver

1% surcharge waiver on transactions between Rs.500 and Rs.3,000. Maximum waiver: Rs.3,500 per anniversary year. Fuel purchases do not earn Mojo points.

Railway Surcharge Waiver

1.8% waiver for www.irctc.co.in transactions, 2.5% waiver for Indian Railways booking counters. Max waiver: Rs.500 per anniversary year.

Add-on Card

Set spend limits and track expenses for each add-on card. Fee: Rs.299.

Payment Convenience

Complimentary cheque pickup.

Mojo Points Redemption

1 Mojo point = Re.0.40 for statement redemption via customer contact centre (min 2,500 points required). 1 Mojo point = Rs.0.25 for other redemptions.

Security Features

Embedded EMV chip, 6-digit PIN authentication for secure transactions.

Monthly Spends

Rs.30,000

Joining Fee

Rs.1,000

Annual Fee

Rs.1,000

Value Builders

Mojo points value on other online spends (No Capping) Annual spends of Rs.2,01,600

Rs.1,562

Mojo points value on all other spends (No Capping)

Annual spends of Rs.1,58,400

Rs.491

Domestic Lounge access

Rs.5,500

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.17,053

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 the statement in the column of the 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 

2.5% on the advance amount, subject to a minimum amount of Rs.500

Late Payment Charges (‘LPC’)

1. Rs.100 - Nil
2. Rs.100 to Rs.500 - Rs.100
3. Rs.501 to Rs.5,000, - Rs.500
4. Rs.5,001 to Rs.10,000 - Rs.600
5. Rs.10,001 to Rs.25,000 - Rs.800
6. Rs.25,001 to Rs.50,000 - Rs.1,000
7. More than Rs.50,000 - Rs.1,200

Over Limit Charge

2.0% on bounce the amount, subject to a minimum amount of Rs.500

Cheque Bounce Charges

2.0% on bounce the amount, subject to a minimum amount of Rs.450

Foreign Currency Mark Up

3.5%

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

Income proof (For self-employed)

1. Recent ITR (Income Tax Returns)
2. Audited profit and loss statement or balance sheet

Address proof (any one)

1. Passport
2. Telephone bill
3. Aadhaar card
4. Electricity bill
5. Rental agreement
6. Ration card

Income proof (For salaried)

1. Recent salary slips
2. Salary certificate
3. Employment letter

Proof of Identity (any one)

1. Voter's ID card
2. Ration Card
3. PAN Card
4. Passport
5. Driving licence
6. Aadhaar card