Summary
The Kotak Mojo Platinum Credit Card is a reward credit card just for those who shop frequently, dine out regularly, and also travel regularly. It boasts a fantastic Mojo Points reward program where you get 5 Mojo Points for every ₹100 spent online, on dining, and entertainment, and 1 Mojo Point for every ₹100 on all other spends. These points are redeemable against gift vouchers, cashback, and travel tickets, so every spend of yours becomes so rewarding.
This card also provides additional benefits like free airport lounge access free of cost, with which customers can relax before flights. The fuel surcharge refund helps save customers up to ₹3,500 per year on pump-side transactions. The contactless payment feature makes payments quick and safe and reduces swiping or PIN entry for small tickets.
Charges and fees of this card are in the middle level. Joining charges are ₹1,000 + GST and annual charges are ₹1,000 + GST. This yearly charge is waived off if you spend ₹1 lakh in a year. Interest is 3.5% per month (42% p.a.), which can be avoided by paying the bill before it is due. If you trap of Credit Card then Settle your Credit Card.
Introduction
If you like shopping, dining out, and traveling, the Kotak Mojo Platinum Credit Card can be a great choice for you. This credit card has been formulated to give you exciting rewards and cashback on your regular spending. Whether you shop online, dine out at restaurants, or book flight tickets, this card assures you to earn valuable points on every transaction.
One of the positives of the Kotak Mojo Platinum Credit Card is that it has a reward program. The more you use the card, the more your Mojo Points accumulations will be. They can then be redeemed for rebates, coupons, or any other value addition scheme. Should you be spending money through the card while shopping or dining out regularly, you end up saving lots in the long run with this card.
Another major plus is the lounge facility at some airports. When you travel often, you get to enjoy lounging in hospitable airport lounges for free. And with the fuel surcharge exemption, you save money each time you fuel your car at petrol stations.
Beyond rewards, this card also offers security and safety features. It uses contactless payment technology, meaning you can simply tap the card against the machine to pay for a purchase without needing to enter a PIN for small-ticket purchases. And with zero liability protection, you’re not held liable for any unauthorized transactions should your card become lost or stolen.
What is the Kotak Mojo Platinum Credit Card?
The Kotak Mojo Platinum Credit Card is also available in a stylish design that appears premium and dashing. The black and dark blue background has a unique design over it with a sleek appearance. In bold text, it has “Mojo” written in the center.
The logo of Kotak Mahindra Bank is located at the top left, rendering it easily identifiable. The card also has a Visa or Mastercard logo (based on type) at the bottom right to show that it is accepted all over the globe. It contains a contactless payment symbol, allowing you to tap and pay easily without inserting or swiping the card.
What is the design of the Kotak Mojo Platinum Credit Card?
The Kotak Mojo Platinum Credit Card has a contemporary design with a dark blue and black color, giving it a sleek and luxurious feel. “Mojo” in bold is displayed in the center, which stands out.
There is the Kotak Mahindra Bank logo on the top left corner, and there is the Visa or Mastercard logo on the bottom right corner, depending on the variant. There is a contactless payment icon on the card, so you can just tap and pay without inserting the card.
What are the benefits of the Kotak Mojo Platinum Credit Card?
Following are the key benefits and the real Mojo Reward Points you can earn:
1. Earn Reward Points on All Your Spending
- Get 1 Mojo Point for every ₹100 spent on regular transactions.
- Get 5 Mojo Points for every ₹100 spent on shopping online, dining, and entertainment.
2. Use the Mojo Points as Rewards
- Redeem your saved Mojo Points in gift vouchers, shopping, travel bookings, and cashback.
Example: 1 Mojo Point = ₹0.25 when redeemed.
3. Waiver of Fuel Surcharge
- Get a waiver of fuel surcharges up to ₹3,500 per year when you buy fuel with this card.
4. Airport Lounge Benefits
- Enjoy free access to lounges at select Indian airports.
5. Convenient EMI Facility
- Avail easy EMIs at affordable rates of interest on large-value purchases.
6. Contactless Spend
- Pay at stores using contactless without swiping or typing the PIN for spends up to ₹5,000.
7. Zero Liability Shield
- Don’t worry, you won’t be held responsible for any misused transactions in case your card is lost or stolen, as long as you report it timely.
What are the fees for the Kotak Mojo Platinum Credit Card?
Here is a simple Kotak Mojo Platinum Credit Card fee breakup.
| Joining Fee | ₹1,000 + GST |
| Annual Fee | ₹1,000 + GST (waived if annual spending crosses ₹1 lakh). |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, a 3.5% per month (42% annually) charge on the outstanding balance. |
| Cash Advance Fee | 3.5% of the amount withdrawn or ₹300, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Kotak Mojo Platinum Credit Card?
1. Age Requirement:
- You should be between 18 to 65 years of age.
2. Income Requirement:
- You must have a stable monthly income (The exact amount may vary based on Standard Chartered’s policy).
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have a valid address proof.
What documents are required to get a Kotak Mojo Platinum Credit Card?
The documents that you will have to submit to Get a Mojo Platinum Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Kotak Mojo Platinum Credit Card be used?
Here is the list of places where you can use it:
- With the Kotak Mojo Platinum Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Kotak Mojo Platinum Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Kotak Mojo Platinum Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Kotak Mojo Platinum Credit Card?
The credit limit of the Kotak Mojo Platinum Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.
If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call Kotak Bank once you have made your application.
How do you apply for a Kotak Mojo Platinum Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of Kotak Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Kotak Bank; for instance, you can choose the Kotak Mojo Platinum Credit Card.
- Just hover your cursor on the Kotak Mojo Platinum Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest Kotak Bank branch to apply for the Mojo Platinum Credit Card.
- Request for the credit card application form for the Kotak Mojo Platinum Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Kotak Mojo Platinum Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Kotak Bank Card website or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a Kotak Mojo Platinum Credit Card in 2025 be right?
Yes, getting a Kotak Mojo Platinum Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Kotak Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.
Conclusion
The Kotak Mojo Platinum Credit Card is ideal for shopaholics, dining enthusiasts, and frequent travelers. With its reward scheme, you earn Mojo Points on every spend, particularly on online spends, dining, and entertainment. You can redeem these points as thrilling rewards, thus making your spending rewarding.
Apart from earning rewards, this card offers helpful features like airport lounge access, which makes flying more comfortable. The fuel surcharge waiver saves you when you pump your gas tank. The contactless payment feature facilitates quick and easy transactions, and zero liability protection ensures peace of mind in case your card is stolen or lost.
Even though this card has an annual and joining fee, the annual fee will be waived on your part in case you spend ₹1 lakh in the given year. With the assumption of paying bills upfront, you do not have to pay additional costs like interest as well as a late payment charge. This in itself makes the card highly worthy.
Frequently Asked Questions (FAQ’s)
Ans: You may redeem your Mojo Points as gift vouchers, shopping, travel bookings, and cashback from the Kotak Rewards Portal.
Ans: Yes, a finance charge (interest rate) of 3.5% per month (42% per annum) will be charged if you do not pay the entire outstanding amount on or before the due date.
Ans: Yes, you receive free access to some airport lounges within India so that your life as a traveler is convenient.
Ans: Yes, you can use it for international transactions. But there is a foreign currency markup charge of 3.5% on transactions made in a foreign currency.
Ans: In case you lose your Credit card, contact Kotak Mahindra Bank customer care at once to have your card blocked and request for a new one. You are also protected with zero liability, so unauthorized transactions reported in time will not make you liable.
