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Last updated: 17 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2.5 Mojo Points per ₹100
Engineered for the digital shopper, earn an accelerated 2.5 Mojo Points on every ₹100 spent online. Continue the momentum offline by earning 1 Mojo Point for every ₹100 spent on all other retail transactions (1 Mojo Point = ₹0.25).
Redeem for
The privileges that come bundled in, beyond the reward points.
Quarterly Brilliance: Earn 1
0 Bonus Mojo Points when your combined spends cross ₹75
0 in a calendar quarter, rewarding consistent usage
Lounge Privileges: Unwind before takeoff with 8 complimentary domestic airport lounge visits annually (capped at 2 per quarter) via the DreamFolks network
Effortless Waiver: Your ₹1
0 renewal fee is entirely waived upon crossing an easily attainable annual spend threshold of ₹1
Fuel Relief: Standard 1% fuel surcharge waiver at all Indian petrol pumps (transactions between ₹500 and ₹3,000)
An honest read on where this card earns its keep — and where it doesn't.
Solid online reward rate crafted specifically for the modern e-commerce and digital spender
Includes a highly accessible quarterly milestone (₹75k) granting an extra 1,000 points
Offers generous domestic airport lounge access (8 visits) for a card at the ₹1,000 price tier
First-year joining fee is effectively neutralized by the 2,500 Mojo Point welcome bonus
Offline and everyday base reward rate is relatively underwhelming (equivalent to just 0.25% return)
Points expire after 24 months, requiring users to proactively manage and redeem their balances
Lacks lifestyle perks such as movie ticket discounts or premium dining partnerships
No international airport lounge access provided
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Kotak Mahindra Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Kotak Mojo Platinum stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Kotak Mojo Platinum fees, reward conversion, lounge access, and application eligibility.
Kotak Mojo Platinum has an annual fee of ₹1,000 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Ignite your spending with a welcome bonus of 2,500 Mojo Points seamlessly credited to your account after your first transaction.".
Kotak Mojo Platinum earns Mojo Points at a primary rate of 2.5 Mojo Points per ₹100. Specifically, Engineered for the digital shopper, earn an accelerated 2.5 Mojo Points on every ₹100 spent online. Continue the momentum offline by earning 1 Mojo Point for every ₹100 spent on all other retail transactions (1 Mojo Point = ₹0.25).. Spends in Rewards, Shopping, Entry Level categories provide the maximum valueback per transaction on this card.
Rewards earned on Kotak Mojo Platinum can be redeemed for Flight and Hotel Bookings via KayMall, Mobile Recharges, Statement Cashback via Kotak Mahindra Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
Yes, Kotak Mojo Platinum features complimentary airport lounge privileges. Privileges include: "Lounge Privileges: Unwind before takeoff with 8 complimentary domestic airport lounge visits annually (capped at 2 per quarter) via the DreamFolks network". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 720 or above is strongly recommended for approval of Kotak Mojo Platinum. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Kotak Mojo Platinum is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Kotak Mojo Platinum levies a forex markup fee of 3.50% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Kotak Mojo Platinum currently features a welcome offer: "Ignite your spending with a welcome bonus of 2,500 Mojo Points seamlessly credited to your account after your first transaction.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Solid online reward rate crafted specifically for the modern e-commerce and digital spender and Includes a highly accessible quarterly milestone (₹75k) granting an extra 1. However, keep in mind that Offline and everyday base reward rate is relatively underwhelming (equivalent to just 0.25% return) and Points expire after 24 months. Overall, Kotak Mojo Platinum delivers strong value if your regular spending aligns with Rewards, Shopping, Entry Level.
Yes, Kotak Mojo Platinum includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Relief: Standard 1% fuel surcharge waiver at all Indian petrol pumps (transactions between ₹500 and ₹3). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
