Smart Spending Made Rewarding with Kotak Mojo Platinum Credit Card

Make your everyday spends work harder for you with the Kotak Mojo Platinum Credit Card. Every ₹100 spent, online or offline, earns valuable Mojo reward points worth up to ₹0.25.

Whether it is travel or daily essentials, this card lets you earn rewards across multiple categories. Explore the card’s benefits in detail and discover how strategic spending can boost your savings effortlessly.

Kotak Mojo Platinum Credit Card Benefits

With your Mojo Platinum Credit Card from Kotak Mahindra Bank, earn 2.5 reward points on every ₹100 spent online and 1 reward point on offline or other eligible spends.

The other benefits that you can reap from this credit card are as follows:

• For the first year, you can earn 2,500 Mojo points every quarter if you spend ₹75,000.
• If you spend ₹75,000 in a quarter, you can enjoy 2 complimentary airport lounge visits in the following quarter within India. 
• You can get a 1% fuel surcharge waiver of up to ₹3,500 on fuel transactions between ₹500 and ₹5,000.
• Save on railway bookings with the Mojo Platinum Credit Card with 1.8% off on IRCTC and 2.5% at counters up to ₹500 annually.
• If you want to connect with Kotak Mahindra Bank for assistance with the card, you can SMS ‘KASSIST’ to ‘5676788’ to get a call within 2 hours.

Note: Earning reward points does not apply to fuel, cash withdrawal, wallet load, online skill-based spending and rent transactions. 

Kotak Mojo Platinum Credit Card Charges

The joining fee and annual fee of the Mojo Platinum Credit Card are ₹1,000 each. You can get your joining fee waived if you spend ₹30,000 within the first 90 days of card issuance. In addition, the bank waives the annual fee if you spend ₹1 lakh in a year.

Here are the other charges applicable to the card:

Further, the card attracts late payment fees for delayed payments beyond the due date as follows:

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 Mojo Platinum Credit Card Eligibility Criteria

If you are the primary applicant for this card, you need to be between 21 and 60 years old. In case you are applying as an add-on cardholder, you should be at least 18 years old. Additionally, it is mandatory that all applicants are residents of India.

Here are the other eligibility criteria for this card:

• Your income should be at least ₹4 lakh per annum.
• You need to reside in one of the following cities: Ahmedabad, Chandigarh, Bangalore, Chennai, Delhi, including Noida and Gurgaon, Kolkata, Hyderabad, Pune and Mumbai.

Mojo Platinum Credit Card Reward Redemption

You can redeem your reward points across various categories, including mobile recharge, e-vouchers, shopping, movie tickets, BookMyshow vouchers, travel and others. For redemption against the above-mentioned categories, 1 Mojo point is equivalent to ₹0.25.

In addition, the cash value for redemption against your outstanding statement is ₹0.20 for each Mojo point. You need to have at least 2,000 reward points to redeem for cash value.

Conclusion

Mojo Platinum Credit Card rewards disciplined spenders with steady Mojo points, lounge access, fuel and railway savings, and achievable fee waivers. With simple eligibility and flexible redemptions, it suits everyday expenses and light travel. Used strategically, the Mojo Platinum Credit Card turns routine payments into measurable value year after year.

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