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Kotak Mahindra Bank · Visa / Mastercard / RuPay · हिन्दी

Kotak Mahindra Mojo Platinum Credit Card: full review

The Kotak Mojo Platinum is a solid entry-level card for online shoppers. The 1.25% on online and 0.83% on offline are competitive for ₹1,000 fee, and the OTT/dining benefits add lifestyle value. The conditional lounge access and Mojo Points dilution are the main drawbacks. Best for Kotak banking customers who shop heavily online.

Apply now ↗Annual fee: ₹1,000 + taxes
Last updated: August 2026 · Current terms verified
KOTAK MAHINDRA B
VISA
)))
MAHINDRA MOJO
ASHOK KUMAR
12/28
₹1,000 + taxes (waived on ₹1,00,000/year spend)Annual fee
7.5 Mojo Points per ₹150 on online retail (1.25%); 5 Mojo Points per ₹150 on offline retail (0.83%); Mojo rewards for OTT and diningReward structure
2 domestic visits/quarter (8/year, on ₹35,000/quarter spend)Lounge access

Key benefits of the Kotak Mahindra Mojo Platinum Credit Card

7.5 Mojo Points per ₹150 on all online retail spends (1.25% effective; 1 MP = ₹0.25)5 Mojo Points per ₹150 on all offline retail spends (0.83% effective)1 complimentary ZEE5 subscription or EazyDiner Prime membership (select on card activation)25% off dining at partner restaurants via EazyDiner (up to ₹1,000/month)2 domestic lounge visits per quarter (8/year) on ₹35,000/quarter spendMonthly Mojo Points milestone: bonus RP on ₹10,000/₹25,000/₹50,000 monthly spend thresholds1% fuel surcharge waiver (₹500–₹3,000, max ₹3,500/year)Annual fee waived on ₹1L/year spend, easily achievableRuPay variant enables UPI credit card payments
Apply now ↗ Min. income: ₹3L+/year · Credit score: 700+
Pros and cons
Pros
✓ Higher reward rate on online vs offline, reflects modern shopping behaviour
✓ ZEE5 or EazyDiner membership choice is a practical welcome benefit
✓ 25% dining discount via EazyDiner adds real monthly value
✓ 8 lounge visits at ₹1,000 fee is strong for this tier
Cons
✗ Mojo Points worth only ₹0.25 each, dilutes stated rates
✗ Lounge requires ₹35,000/quarter spend, conditional
✗ 3.5% forex: avoid abroad
✗ Limited to select cities
Quick facts
Issuer Kotak Mahindra Bank
Network Visa / Mastercard / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,000 + taxes (waived on ₹1,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹1,000
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic visits/quarter (8/year, on ₹35,000/quarter spend)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+/year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceKotak Mahindra Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for Kotak Mahindra Mojo Platinum Credit Card is ₹1,000 + taxes (waived on ₹1,00,000/year spend). The joining fee is ₹1,000.
The main benefits of the Kotak Mahindra Mojo Platinum Credit Card are: 7.5 Mojo Points per ₹150 on all online retail spends (1.25% effective; 1 MP = ₹0.25); 5 Mojo Points per ₹150 on all offline retail spends (0.83% effective); 1 complimentary ZEE5 subscription or EazyDiner Prime membership (select on card activation); 25% off dining at partner restaurants via EazyDiner (up to ₹1,000/month); 2 domestic lounge visits per quarter (8/year) on ₹35,000/quarter spend; Monthly Mojo Points milestone: bonus RP on ₹10,000/₹25,000/₹50,000 monthly spend thresholds; 1% fuel surcharge waiver (₹500–₹3,000, max ₹3,500/year); Annual fee waived on ₹1L/year spend, easily achievable; RuPay variant enables UPI credit card payments.
7.5 Mojo Points per ₹150 on online retail (1.25%); 5 Mojo Points per ₹150 on offline retail (0.83%); Mojo rewards for OTT and dining
Kotak Mahindra Mojo Platinum Credit Card is best for Online-first shoppers and OTT subscribers wanting rewards on digital and everyday spends. The Kotak Mojo Platinum is a solid entry-level card for online shoppers. The 1.25% on online and 0.83% on offline are competitive for ₹1,000 fee, and the OTT/dining benefits add lifestyle value. The conditional lounge access and Mojo Points dilution are the main drawbacks. Best for Kotak banking customers who shop heavily online.
The minimum income requirement for Kotak Mahindra Mojo Platinum Credit Card is ₹3L+/year. A minimum credit score of 700+ is also recommended.
Yes, Kotak Mahindra Mojo Platinum Credit Card offers 2 domestic visits/quarter (8/year, on ₹35,000/quarter spend).
Kotak Mahindra Mojo Platinum Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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Card reviews
Axis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesAU Bank Zenith Credit CardHigher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularlyYES Bank POP-Club Credit CardFrequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashback
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Kotak Mahindra Mojo Platinum₹1,000 + taxes
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