What are the key benefits of the Kotak Mojo Platinum Credit Card?

The Kotak Mojo Platinum Credit Card offers significant Mojo Points, accelerated rewards on online spends, complimentary domestic lounge access, and fee waivers.

How do I earn reward points with the Kotak Mojo Platinum Credit Card?

Earn 2.5 Mojo points per ₹100 on online spends and 1 Mojo point per ₹100 on other spends with your Kotak Mojo Platinum Credit Card.

How can I redeem Mojo Points from my Kotak Mojo Platinum Credit Card?

You can redeem Mojo Points through the Kotak Rewards portal for shopping, travel, e-vouchers, movie tickets, or as cash value against your statement.

Does the Kotak Mojo Platinum Credit Card provide airport lounge access?

Yes, the Kotak Mojo Platinum Credit Card offers 2 complimentary domestic airport lounge accesses every quarter, subject to spending ₹75,000 in the prior quarter.

What are the joining and renewal fees for the Kotak Mojo Platinum Credit Card?

The Kotak Mojo Platinum Credit Card has a joining and renewal fee of ₹1,000 + GST, both waivable based on spending.

Are there any charges for foreign currency transactions on the Kotak Mojo Platinum Credit Card?

Yes, the Kotak Mojo Platinum Credit Card levies a foreign currency markup of 3.5% on international transactions.

What insurance benefits does the Kotak Mojo Platinum Credit Card offer?

The Kotak Mojo Platinum Credit Card provides an insurance cover of ₹1.25 lakhs against unauthorized transactions on a lost or stolen card.

What are the upcoming changes to the Kotak Mojo Platinum Credit Card's reward structure?

From June 1, 2025, Mojo points on the Kotak Mojo Platinum Credit Card will be capped for certain categories and discontinued for fuel, rent, and online gaming spends.

What is the eligibility for applying for the Kotak Mojo Platinum Credit Card?

Applicants for the Kotak Mojo Platinum Credit Card must be 21-65 years old, a resident of India, with a net annual income of ₹4 lakhs or more.

Can I get an add-on card for the Kotak Mojo Platinum Credit Card?

Yes, add-on cards are available for the Kotak Mojo Platinum Credit Card for a fee of ₹299, with customizable spend limits.

Kotak Mahindra Bank

Kotak Mojo Platinum Credit Card

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Last updated: 30 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Joining fee of ₹1,000 waived on spending ₹30,000 in first 90 days.

Rewards Rate

Earn 2.5 Mojo pts/₹100 online; 1 Mojo pt/₹100 on other spends (excl. fuel/cash withdrawal).

Reward Type

Reward Points

Reward Redemption

Redeem Mojo Points via Kotak Rewards portal for shopping, travel, e-vouchers, or cash value.

Domestic Lounge Access

2 complimentary domestic lounge accesses quarterly, on ₹75,000 spend in previous quarter.

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

₹1.25 lakhs insurance cover against unauthorized transactions on lost/stolen card.

Movie

Redeem Mojo Points for movie tickets via BookMyShow on Kotak Rewards portal.

Dining

Not Applicable

Travel Benefits

Railway surcharge waivers up to ₹500 annually; Mojo points redemption for travel bookings.

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Frequently Asked Questions

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