Credit Card

Kotak Mojo Platinum Credit Card

 Kotak Mojo Platinum Credit Card is aimed at providing its customers with great rewarding experiences. It earns you Rewards in the form of Mojo Points, which can be redeemed against various categories, including shopping, travel, etc, and even against the outstanding statement. With this card, you earn 1 Mojo Point on every offline spend of Rs. 100, and you earn extra Reward Points for your spends on online purchases and KayMall. You can also earn gift vouchers worth Rs. 1,000 every quarter on achieving the milestone spend. To give extra luxurious travel experiences, this card provides you with complimentary domestic lounge access every year.

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Fees and Charges

Joining FeeRs 1000+GST or LTF
Joining Fee WaiverRs 30000 spend in 90 days
Annual FeeRs 1000+GST or LTF
Annual Fee WaiverRs 1 Lakh spend in an anniversary year

Welcome Offer

  • Receive 5000 reward points worth Rs. 500 after the joining fee has been processed.
  • This is allowed for league joining fee type only.
  • Receive a movie voucher worth Rs. 500 as a joining gift

Rewards Rate

Milestone Benefits1 Mojo Point on every Rs. 100 spent. 2.5 Mojo Points on every online spend of Rs. 100.

Reward Redemption

The Mojo Points you earn can be redeemed against various categories at at a rate of 1 Mojo Point = Rs. 0.25.

Card Summary :

  • Get 1 Mojo Point on every Rs. 100 you spend.
  • Get 2.5x Mojo Points on online spends and 5x Mojo Points on KayMall spends.
  • Mojo Points redeemable against the outstanding statement.
  • Get complimentary domestic lounge access every year.
  • Gift vouchers worth Rs. 1,000 on achieving the milestone spend.
  • Spend-based joining and renewal fee waiver.
  • Insurance cover against a lost/stolen card.
  • Save more through fuel surcharge waiver & railway surcharge waiver.

Kotak Mojo Platinum Credit Card Features and Benefits :

Milestone Benefits

  • You get gift vouchers worth Rs. 2,500 on spending Rs. 75,000 or more in a quarter.
  • This benefit is applicable for the first year only.

Travel Benefits

You get 2 complimentary domestic airport lounge access every quarter (8 per year).

Insurance Benefits

If your credit card is lost/stolen, you get an insurance cover worth Rs. 1.25 lakhs against any fraudulent usage of your card.

Other Benefits

  • You get a railway surcharge waiver on railway ticket bookings at and on Indian railway booking counters.
  • Instead of trying again & again to reach the bank to pay your due bills, you just need to SMS “KASSIST” to 5676788 and you will surely get a back call within 2 hours.

Joining and Renewal Fee Waiver

  • The joining fee is waived off if you spend Rs. 30,000 or more within the first 90 days after the card issuance.
  • The renewal fee is waived off if you spend Rs. 1 lakh or more in the previous year.

Fuel Surcharge Waiver

  • The 1% fuel surcharge is waived off for all fuel transactions between Rs. 500 & Rs. 3,000.
  • The maximum benefit through fuel surcharge is capped at Rs. 3,500 per year.

Kotak Mojo Platinum Credit Card Rewards

  • You get 1 Mojo Points for every spend of Rs. 100.
  • You get 2.5 mojo Points for every spend of Rs. 100 on online purchases.
  • The maximum benefit is capped at 2250 Mojo Points per billing cycle (750 Mojo Points on each category).
  • You don’t earn any Mojo Points on fuel purchases.
  • The Mojo Points are valid for 1 year from the date of accumulation.

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Kotak Mojo Credit Card Eligibility Criteria

There are certain eligibility requirements that need to be fulfilled by your if you want to get approved for this card. Some basic eligibility criteria for the Mojo Kotak Credit Card are given below:

  • The age of the applicant (primary cardholder) should be between 21 years and 65 years.
  • The applicant should be a resident of India.
  • The net annual income of the applicant should be 4 lakhs or more.

Documents Required

The list of all the important documents required to apply for the Kotak Mojo Platinum Credit Card is given below:

  • Proof of Identity: PAN Card, Aadhar Card, Driving License, Passport, Voter’s Id, etc.
  • Proof of Address: Aadhar Card, Ration Card, Latest water/electricity bills, rent agreement, etc.
  • Proof of Income: Latest months’ salary slips/bank statements or latest audited ITR.

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