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Kotak Mojo Platinum Credit Card
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Kotak Mojo Platinum Credit Card

Kotak Mahindra Bank

Joining Fee₹1,000Renewal Fee₹1,000Waived at ₹1,00,000 annual spend some spends excluded

Last verified: 23 Sept 2026

Reward Program

Mojo Points1 point = ₹0.25
CategoryEarn RateMonthly Cap

Online spends (any merchant, card-not-present)

0.63%No cap
All other spends0.25%No cap

Redemption fee: 0

🔁

Managed via Kotak Rewards portal, Kotak contact centre

Transfer partners

Kotak Rewards catalogue — 1 Mojo Point = ₹0.25. Redeemable against flights, hotels, vouchers and merchandise with no minimum on the catalogue itself.Cash value redemption — 1 Mojo Point = ₹0.20, reduced from ₹0.25 with effect from 1 June 2025, with a 2,000-point minimum. The worse of the two channels.

Live Offers

20 active
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View all 42 offers

Benefits

🛋️

Lounge Access

2 domestic visits/quarter

0 international visits/quarter

8 complimentary visits a year to select domestic lounges in India, limited to 2 per quarter. Gated from 1 June 2025: the cardholder must spend ₹75,000 or more in a calendar quarter to unlock 2 visits in the next quarter, so a new cardholder gets nothing in their first quarter. No international lounge access.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹500 and ₹5,000, capped at ₹3,500 in an anniversary year. Fuel earns no Mojo Points.

Milestone Benefits

Not every spend counts toward these targets — see what is excluded.

Spend ₹75,000/quarter2,500 bonus Mojo Points₹625 total by this tier · 0.83% effective rate

Reward Calculator

Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.

What this card is worth

Open a section and enter what you actually spend. Everything updates as you type.

Fees & Charges

Joining Fee₹1,000/yr
Renewal Fee₹1,000/yr
Fee WaiverSpend ₹1,00,000/year
Not all spends count
Forex Markup3.5%
Interest Rate45% p.a.
Cash Advance Fee2.5% of the advance amount, subject to a minimum of ₹500.
Reward Redemption Fee0

Spends That Don’t Count

Kotak leaves these categories out when totalling your spend. They still earn rewards where the card pays on them — they just do not move you toward the target below.

Excluded from the fee waiver

Toward the ₹1,00,000/year waiver

  • EducationCoaching, College fees, Online courses, School fees
  • Everything elseRent, Society maintenance, Tax and government fees, Wallet top-ups
  • Getting aroundFuel
  • InsuranceHealth, Motor, Other cover
  • SubscriptionsGaming
  • TravelForex card loads
  • UtilitiesBroadband, DTH or cable, Electricity, Mobile recharge, Piped gas, Water

Excluded from milestone spends

Toward the milestone targets above

  • EducationCoaching, College fees, Online courses, School fees
  • Everything elseRent, Society maintenance, Tax and government fees, Wallet top-ups
  • Getting aroundFuel
  • InsuranceHealth, Motor, Other cover
  • SubscriptionsGaming
  • TravelForex card loads
  • UtilitiesBroadband, DTH or cable, Electricity, Mobile recharge, Piped gas, Water

In the News

Priya Menon · 12d ago

Kotak Mojo Platinum Credit Card Review 2026: 2.5 Mojo Points Online, First-Year Milestones & FAQs

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