Credit Cards · Honest Review
Kotak Mojo Platinum Credit Card
Kotak Mahindra Bank · Visa
Your Verdict
- ✓2.5 Mojo points per ₹100 on online spends
- ✓1 Mojo point per ₹100 on all other spends
- ✓8 domestic airport lounge visits/year (2/quarter)
- ✓Annual fee waived on ₹1L annual spend
- ✓1% fuel surcharge waiver
What Kotak Mojo Platinum Credit Card costs you
Kotak Mojo Platinum Credit Card carries a ₹1,000 annual fee and a ₹1,000 one-time joining fee. The annual fee is waivable: Spend ₹1L/year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹1,000 |
| Joining fee (one-time) | ₹1,000 |
| Fee waiver condition | Spend ₹1L/year |
| Spend required for waiver | ₹1,00,000 / year |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
Kotak Mojo Platinum Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| 🛒 Online Shopping | 2.5% |
1,000 Mojo points on first transaction
Reward types: Points
Beyond the reward rate
The non-reward benefits on Kotak Mojo Platinum Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for Kotak Mojo Platinum Credit Card
Kotak Mojo Platinum Credit Card requires a minimum net monthly income of ₹25,000 for salaried applicants and a CIBIL score of 720 or above. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹25,000 |
| CIBIL score | 720+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get Kotak Mojo Platinum Credit Card
- → Heavy spenders on online shopping who want 2.5% back
- → Frequent travelers who value airport lounge access
- → Moderate spenders who can clear the fee waiver condition
Kotak Mojo Platinum Credit Card — Questions answered
What is the annual fee for Kotak Mojo Platinum Credit Card?
What is the minimum income required for Kotak Mojo Platinum Credit Card?
What is the reward rate on Kotak Mojo Platinum Credit Card for online shopping?
Does Kotak Mojo Platinum Credit Card provide airport lounge access?
How do I get the annual fee waived on Kotak Mojo Platinum Credit Card?
How long does it take to get Kotak Mojo Platinum Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.