{"id":84112,"date":"2026-01-06T16:45:23","date_gmt":"2026-01-06T11:15:23","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=84112"},"modified":"2026-01-06T16:45:27","modified_gmt":"2026-01-06T11:15:27","slug":"mojo-platinum-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/mojo-platinum-credit-card\/","title":{"rendered":"Smart Spending Made Rewarding with Kotak Mojo Platinum Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\">Key Takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mojo Platinum Credit Card earns up to 2.5 Mojo points per \u20b9100 on online spends.<\/li>\n\n\n\n<li>Quarterly milestone rewards make the card ideal for planned spending.<\/li>\n\n\n\n<li>The Mojo Platinum Credit Card offers up to 8 domestic airport lounge visits annually.<\/li>\n\n\n\n<li>Fuel and railway surcharge waivers add everyday savings with the card.<\/li>\n\n\n\n<li>Annual fee waivers are achievable with moderate spending on the card.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>Make your everyday spends work harder for you with the Kotak Mojo Platinum Credit Card. Every \u20b9100 spent, online or offline, earns valuable Mojo reward points worth up to \u20b90.25.<\/p>\n\n\n\n<p>Whether it is travel or daily essentials, this card lets you earn rewards across multiple categories. Explore the card\u2019s benefits in detail and discover how strategic spending can boost your savings effortlessly.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#kotak-mojo-platinum-credit-card-benefits\">Kotak Mojo Platinum Credit Card Benefits<\/a><\/li><li><a href=\"#kotak-mojo-platinum-credit-card-charges\">Kotak Mojo Platinum Credit Card Charges<\/a><\/li><li><a href=\"#mojo-platinum-credit-card-eligibility-criteria\">\u00a0Mojo Platinum Credit Card Eligibility Criteria<\/a><\/li><li><a href=\"#mojo-platinum-credit-card-reward-redemption\">Mojo Platinum Credit Card Reward Redemption<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kotak-mojo-platinum-credit-card-benefits\"><strong>Kotak Mojo Platinum Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Kotak-Mojo-Platinum-Benefits.jpeg\" alt=\"Kotak Mojo Platinum Credit Card Benefits\" class=\"wp-image-84116\" style=\"width:840px;height:auto\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Kotak-Mojo-Platinum-Benefits.jpeg 800w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Kotak-Mojo-Platinum-Benefits-300x200.jpeg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Kotak-Mojo-Platinum-Benefits-150x100.jpeg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/01\/Kotak-Mojo-Platinum-Benefits-768x512.jpeg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>With your Mojo Platinum Credit Card from Kotak Mahindra Bank, earn 2.5 reward points on every \u20b9100 spent online and 1 reward point on offline or other eligible spends.<\/p>\n\n\n\n<p>The other benefits that you can reap from this credit card are as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For the first year, you can earn 2,500 Mojo points every quarter if you spend \u20b975,000.<\/li>\n\n\n\n<li>If you spend \u20b975,000 in a quarter, you can enjoy 2 complimentary airport lounge visits in the following quarter within India.\u00a0<\/li>\n\n\n\n<li>You can get a 1% fuel surcharge waiver of up to \u20b93,500 on fuel transactions between \u20b9500 and \u20b95,000.<\/li>\n\n\n\n<li>Save on railway bookings with the Mojo Platinum Credit Card with 1.8% off on <a href=\"http:\/\/irctc.co.in\/nget\/\" target=\"_blank\" rel=\"noopener\">IRCTC<\/a> and 2.5% at counters up to \u20b9500 annually.<\/li>\n\n\n\n<li>If you want to connect with Kotak Mahindra Bank for assistance with the card, you can SMS \u2018KASSIST\u2019 to \u20185676788\u2019 to get a call within 2 hours.<\/li>\n<\/ul>\n\n\n\n<p><strong>Note<\/strong><em>: <\/em>Earning reward points does not apply to fuel, cash withdrawal, wallet load, online skill-based spending and rent transactions.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kotak-mojo-platinum-credit-card-charges\"><strong>Kotak Mojo Platinum Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>The joining fee and annual fee of the Mojo Platinum Credit Card are \u20b91,000 each. You can get your joining fee waived if you spend \u20b930,000 within the first 90 days of card issuance. In addition, the bank waives the annual fee if you spend \u20b91 lakh in a year.<\/p>\n\n\n\n<p>Here are the other charges applicable to the card:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameter<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Add-on Card Fee<\/td><td>\u20b9299<\/td><\/tr><tr><td>Interest Charges<\/td><td>3.75% per month or 45% per annum<\/td><\/tr><tr><td>ATM Cash Withdrawal<\/td><td>2.5% subject to a minimum of \u20b9500<\/td><\/tr><tr><td>Over Limit Charge<\/td><td>\u20b9500<\/td><\/tr><tr><td>Cheque Bounce Charges<\/td><td>2% subject to a minimum of \u20b9500<\/td><\/tr><tr><td>Standing Instruction Failure Charge<\/td><td>2% subject to a minimum of \u20b9450 and a maximum of \u20b95,000<\/td><\/tr><tr><td>Foreign Currency Mark-up&nbsp;<\/td><td>3.5%<\/td><\/tr><tr><td>Fee for Cash Payment at Bank<\/td><td>\u20b9100<\/td><\/tr><tr><td>Card Replacement or Reissuance Fee<\/td><td>\u20b9100<\/td><\/tr><tr><td>Duplicate Statement Request<\/td><td>Waived<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Further, the card attracts late payment fees for delayed payments beyond the due date as follows:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Outstanding Amount<\/strong><\/td><td><strong>Late Payment Fees<\/strong><\/td><\/tr><tr><td>&lt; \u20b9100<\/td><td>Nil<\/td><\/tr><tr><td>\u20b9100 &#8211; \u20b9500<\/td><td>\u20b9100<\/td><\/tr><tr><td>&gt; \u20b9500 &#8211; \u20b95,000<\/td><td>\u20b9500<\/td><\/tr><tr><td>&gt; \u20b95,000 &#8211; \u20b910,000<\/td><td>\u20b9600<\/td><\/tr><tr><td>&gt; \u20b910,000 &#8211; \u20b925,000<\/td><td>\u20b9800<\/td><\/tr><tr><td>&gt; \u20b925,000 &#8211; \u20b950,000<\/td><td>\u20b91,000<\/td><\/tr><tr><td>&gt; \u20b950,000<\/td><td>\u20b91,200<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Get automatic bill reminders for your credit card and pay directly on time to avoid late fees. Download <a href=\"https:\/\/piceapp.com\/\">the Pice App <\/a>now for more details!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mojo-platinum-credit-card-eligibility-criteria\"><em>&nbsp;<\/em><strong>Mojo Platinum Credit Card Eligibility Criteria<\/strong><\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Here are the other eligibility criteria for this card:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your income should be at least \u20b94 lakh per annum.<\/li>\n\n\n\n<li>You need to reside in one of the following cities: Ahmedabad, Chandigarh, Bangalore, Chennai, Delhi, including Noida and Gurgaon, Kolkata, Hyderabad, Pune and Mumbai.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mojo-platinum-credit-card-reward-redemption\"><strong>Mojo Platinum Credit Card Reward Redemption<\/strong><\/h2>\n\n\n\n<p>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 \u20b90.25.<\/p>\n\n\n\n<p>In addition, the cash value for redemption against your outstanding statement is \u20b90.20 for each Mojo point. You need to have at least 2,000 reward points to redeem for cash value.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1767697251439\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the reward value of Mojo points?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Each Mojo point earned on the Mojo Platinum Credit Card is worth up to \u20b90.25 for most redemptions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767697277400\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Are there lounge access benefits?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, the Mojo Platinum Credit Card provides up to 8 complimentary domestic lounge visits per year.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767697295636\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is there a joining or annual fee?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The Mojo Platinum Credit Card has a \u20b91,000 joining and annual fee, both waivable on spending conditions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767697311574\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Who is eligible for the card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The Mojo Platinum Credit Card is available to Indian residents aged 21\u201360 with \u20b94 lakh annual income.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1767697332054\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Does the card support international usage?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, the Mojo Platinum Credit Card can be used internationally with a 3.5% forex markup.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways Make your everyday spends work harder for you with the Kotak Mojo Platinum Credit Card. Every \u20b9100 spent, online or offline, earns valuable Mojo reward points worth up to \u20b90.25. Whether it is travel or daily essentials, this card lets you earn rewards across multiple categories. Explore the card\u2019s benefits in detail and [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":84113,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-84112","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84112","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=84112"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84112\/revisions"}],"predecessor-version":[{"id":84117,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/84112\/revisions\/84117"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/84113"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=84112"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=84112"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=84112"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}