Is there a joining fee?

Yes. The joining fee is ₹1,000; it is waived if you spend ₹30,000 within 90 days of card issuance.

What is the annual fee waiver condition?

Annual fee is ₹1,000 and is waived if you spend ₹1,00,000 in the anniversary year.

How many Mojo points do I earn on online spends?

You earn 2.5 Mojo points for every ₹100 spent online.

Do fuel spends earn Mojo points?

Fuel and cash withdrawals are treated separately and may not earn Mojo points; check card terms.

What is the foreign currency markup?

Foreign currency mark-up is 3.5% on transactions in foreign currency.

Who is eligible for this card?

Primary cardholders aged 21–60, resident Indians with minimum annual income as specified by the bank.

Credit Cards/Kotak Mahindra Bank/Kotak Mojo Platinum Credit Card

Kotak Mojo Platinum Credit Card

Kotak Mahindra Bank

4.5

Expert Rating

grocery restaurants e-commercefuel

Annual Fee

₹1,000

Joining Fee

₹1,000

Forex Fee

Free

Lounge Access

8 visits/yr

Kotak Mojo Platinum is a rewards-focused card with strong online earn rates, milestone benefits and sensible fee waivers. It suits shoppers who do most spends online and want periodic milestone rewards plus lounge access.

Features of Kotak Mojo Platinum Credit Card which makes it unique

Mojo Points

Points accrue faster on online spends

Good returns for e-commerce shoppers

Stronger online earn vs many base cards

Rewards Structure of Kotak Mojo Platinum Credit Card

Online Spends

accelerated

Valid on all online merchants, e-commerce platforms and app-based purchases

Reward Rate:2.5 Mojo Points per ₹100 spent

Base

base

Other Retail Spends

Reward Rate:1 Mojo Points per ₹100 spent

Milestones of Kotak Mojo Platinum Credit Card

Quarterly Milestone

₹75,000 : 2,500 Mojo points (first year promotional)

Annual Spend Milestone

₹1,00,000 : Annual fee waiver

Fees & Charges of Kotak Mojo Platinum Credit Card

Fee & Amount	Fee Value
Joining Fee	₹1,000
Annual Fee	₹1,000
Forex Markup Fee	0
Cash Advance Fee	0
Late Payment Fee	₹750
Over Limit Fee	₹500
Returned Payment Fee	₹350
Cash Withdrawal Fee	0%

Renewal Conditions:Annual fee waived on ₹1,00,000 annual retail spend.

Fee Explanation Standard Kotak Mahindra Bank fees apply; certain transaction-category fees and new transaction fees (effective from June 1, 2025) may apply as per bank policy.

Lounge Access Benefits with Kotak Mojo Platinum Credit Card

domestic Lounges

silver

Visits per year: 8

Guest access: No

Participating lounges via issuer program

international Lounges

silver

Visits per year: 0

Guest access: No

Priority Pass not included by default

Insurance Coverage with Kotak Mojo Platinum Credit Card

Purchase Protection

₹50,000

As per bank T&C

Travel Insurance

Subject to T&C

If travel booked via partner offers

Additional Features of Kotak Mojo Platinum Credit Card

Contactless Payments

Visa contactless enabled

Add-on Cards

Add-on cards available as per bank policy

Welcome Bonus with Kotak Mojo Platinum Credit Card

Welcome Bonus: Joining fee waived on ₹30,000 spend
Bonus Conditions: Joining fee waiver applies when you spend ₹30,000 within 90 days of card issuance.

Application Process for Kotak Mojo Platinum Credit Card

Processing Time

5-7 business days

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Apply online via bank or Finanjo portal

Upload KYC documents

Receive verification call

Card dispatched within 5-7 business days

Required Documents for Kotak Mojo Platinum Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Address Proof

all

Accepted documents:

Passport Utility Bill

Income Proof

salaried/self-employed

Accepted documents:

Payslip ITR