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Kotak Mojo Platinum Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
1 RP = 0.40 Paisa.
Customers will get 5 Mojo points for every Rs.100 they spend on all KayMall spends, cashback rate: of 2%,
2.5 Mojo points for every Rs.100 on other online spends, cashback rate of 1%.
1 Mojo point for every Rs.100 on all other spends, cashback rate of 04%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
None.
Lounge Access
Travel Benefits: Customers get up to 8 free airport lounge access annually within India (2 visits per quarter).
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
1 RP = 0.40 Paisa.
Customers will get 5 Mojo points for every Rs.100 they spend on all KayMall spends, cashback rate: of 2%,
2.5 Mojo points for every Rs.100 on other online spends, cashback rate of 1%.
1 Mojo point for every Rs.100 on all other spends, cashback rate of 04%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
None.
Lounge Access
Travel Benefits: Customers get up to 8 free airport lounge access annually within India (2 visits per quarter).
Fees & Charges
Joining Fee
of INR 500.
Annual Fee
of INR 500.
Cash Advance Fee
2.5% of amount withdrawn or Rs. 500 whichever is higher
Interest rate
Interest Rate: 3.5% per month, 42% per year
Late Payment Fee
Late payment charges - Upto ` 100- Rs. 0/- > ` 100 to `500- Rs. 100/- > ` 500 to `5,000- Rs. 500/- > ` 5,000 to `10,000- Rs. 600/- More than ` 10,000- Rs. 750/-.
Foreign Currency Transactions Fee
3.5
Other Fees
Cash withdrawal charges 2.5% of amount withdrawn or Rs. 500 whichever is higher. | Redemption Fee Rs. 99/- per redemption request. | Charges on over limit account - 2.5% of the over limit amount, subject to a minimum of `500/- EMI Processing charges : 2.5% of loan amount subject to minimum of Rs. 500. | Bank Charges Cross Currency markup of 2.5% on the transaction value.
Fees & Charges
Joining Fee
of INR 500.
Annual Fee
of INR 500.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.5% per month, 42% per year
Late Payment Fee
Late payment charges - Upto ` 100- Rs. 0/- > ` 100 to `500- Rs. 100/- > ` 500 to `5,000- Rs. 500/- > ` 5,000 to `10,000- Rs. 600/- More than ` 10,000- Rs. 750/-.
Foreign Currency Transactions Fee
3.5
Other Fees
Cash withdrawal charges 2.5% of amount withdrawn or Rs. 500 whichever is higher. | Redemption Fee Rs. 99/- per redemption request. | Charges on over limit account - 2.5% of the over limit amount, subject to a minimum of `500/- EMI Processing charges : 2.5% of loan amount subject to minimum of Rs. 500. | Bank Charges Cross Currency markup of 2.5% on the transaction value.
Special Features
8 complimentary visits per year to airport lounges within India (both domestic and international terminals) Maximum 2 visits can be availed per quarter.
Eligibility Criteria
Primary Credit Card holder should be in the age bracket of 21 to 65 years. Add-on Card holder should be 18 years and above
Location - Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai and Pune
Income - Rs. 4 lakh and above per annum
Should be a resident of India
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Online Visit the Kotak Mahindra Bank website and click on the "Credit Cards" tab.
Select the "Mojo Platinum Credit Card" and click on the "Apply Now" button.
Fill in the application form with your personal and financial details.
Upload the required documents, such as your PAN card, Aadhar card, and income proof.
Review and submit your application.
Contact Details
1860 266 2666
Account Opening and Procedure
The Kotak Mojo Platinum is an affordable credit card that rewards you for almost all your spending. The Mojo Points you earn using this card can be advantageous as you can redeem them against the outstanding statement at a rate of 1 Mojo Point = Re. 0.40. You can save amazingly with this card as you get a spend-based joining & renewal fee waiver through which you can make your card free to have. Moreover, the gift vouchers you earn under the milestone program allow you to save even more. With all its reward offers, travel benefits, and saving opportunities, the Kotak Mojo Platinum Credit Card can be considered a great choice for everyone who is looking for such a credit card. However, if you are looking for a similar card with a slightly lower annual fee and basic features, you can check out other cards
The Kotak Mojo Platinum is an affordable credit card that rewards you for almost all your spending. The Mojo Points you earn using this card can be advantageous as you can redeem them against the outstanding statement at a rate of 1 Mojo Point = Re. 0.40. You can save amazingly with this card as you get a spend-based joining & renewal fee waiver through which you can make your card free to have. Moreover, the gift vouchers you earn under the milestone program allow you to save even more. With all its reward offers, travel benefits, and saving opportunities, the Kotak Mojo Platinum Credit Card can be considered a great choice for everyone who is looking for such a credit card. However, if you are looking for a similar card with a slightly lower annual fee and basic features, you can check out other cards
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai