What is the annual fee for Mojo Platinum Credit Card?

The annual fee is ₹1,000. However, it's waived if you spend ₹1 lakh or more in a calendar year. Additionally, spending ₹30,000 in the first 90 days waives both the joining and annual fees.

How to apply for Mojo Platinum Credit Card?

You can apply directly through Kotak Mahindra Bank's website or via OnePaisa's comparison platform. You'll need to meet the bank's income and eligibility criteria, then complete the online application with KYC documents.

What rewards does Mojo Platinum Credit Card offer?

The card earns 1% Mojo Points on all spends across categories. These points can be redeemed for statement credits, travel, or lifestyle benefits as per Kotak's redemption partner network.

What are the eligibility criteria for Mojo Platinum Credit Card?

Eligibility criteria are not specified in the available details — check Kotak Mahindra Bank's official website or contact their customer service for current income and credit score requirements.

Does Mojo Platinum Credit Card offer airport lounge access?

Yes, the card provides 8 complimentary domestic lounge visits per year. This benefit is useful for frequent domestic travelers seeking airport comfort without international lounge coverage.

Is Mojo Platinum Credit Card worth it?

It's worthwhile if you spend ₹1L+ annually to waive the fee, or cross ₹30K in 90 days to avoid joining fees. The 1% reward rate is modest compared to category-based cards, so it suits steady spenders who value lounge access over premium travel perks.

Credit Cards

RewardsMidVisa

Mojo Platinum Credit Card

Steady rewards with occasional lounge breaks

Annual fee₹1,000Waived on ₹1.0L spend

Rewards1.00%1 Mojo Point per ₹100

Forex markup3.5%

No longer offered

Kotak Mahindra Bank is no longer accepting applications for this card. Existing cardholders continue to be served, so the fees and features below are kept here for reference. There is no application or eligibility check to offer.

Not open to new applicants · kept here for reference

Independent comparison platform. Not affiliated with Kotak Mahindra Bank. Full disclaimer

Welcome benefits

worth ₹1,000

Joining fees waiver on spending ₹30,000 in first 90 days

Type: Fee Waiver
Trigger: Spend ₹30,000 within 90 days

Rewards

Base earn rate

Earn unlimited 1 Mojo point for every ₹100 on all other spends – except on fuel & cash withdrawal

Mojo Points / Kotak Rewards

Excludes: Fuel, Cash Withdrawal

Category	Rate	Cap
Online Spends	—	—

• Minimum redemption: 2500 points

Milestone benefits

Threshold —(Quarterly)→ 2500 Mojo points

Lounge access

Domestic

8visits / year

Max 2 per quarter
Requires ₹75,000 prior spend

International

Not included

Fees & charges

Joining fee: ₹ 1000
Annual / renewal fee: ₹ 1000
Annual fee waiver: Annual retail spends of ₹ 100,000
Add-on card fee: ₹299 only
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 48 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 0%, min ₹500
Payment dishonour: ₹500
Forex markup: 3.50%
DCC markup: 3.50%
Fuel surcharge: 1% waiver, on ₹500–₹3000 txns, max ₹400/cycle

View official MITC →

Eligibility

Income (salaried): Rs. 4 lakh and above per annum
Age: 21–60 years

Features

✓ Contactless✓ Chip & PIN

Additional features

Priority attend: SMS 'KASSIST' to 5676788 and we will call back within two hours
Complimentary cheque pickup for monthly dues payment
Embedded EMV Chip lends an additional level of security
6-digit PIN authentication for higher security of your transactions

No rewards on

Fuel · Cash Withdrawal · Wallet Load · Rent · Online Skill-Based Gaming