Kotak Mojo Platinum Credit Card is your new best friend when it comes to making your spending experiences more rewarding! This credit card, offered by Kotak Mahindra Bank, is designed to elevate your life game with its travel, rewards, and milestone benefits. Every time you use the card for purchases, you’ll earn reward points that can be redeemed later for exciting rewards. To get the card, there’s a joining fee of Rs. 1,000. With the Kotak Mojo Platinum Credit Card, you can enjoy a range of perks and rewards that will add value to your everyday spending. Whether you love to travel or simply want to earn rewards as you shop, this card has got you covered. Accumulate those reward points and make the most of your spending!


Earn Mojo Points on Spends: Get 2.5 Mojo points for every Rs. 100 spent on online transactions. Earn 1 Mojo point for every Rs. 100 spent on other retail transactions (excluding fuel and cash withdrawals). These Mojo points are valid for 2 years from the date you earn them.

Milestone Gift: Spend Rs. 75,000 in a quarter and receive 2500 Mojo points as a special gift. This gift is available for the first year of using the card.

Complimentary Airport Lounge Access: Enjoy 8 free visits to Dream Folks Airport Lounges annually in India (both Domestic and International terminals). You can use 2 lounge visits per quarter.

Joining and Annual Fees Waiver: Get the Rs. 1,000 joining fee waived by spending Rs. 30,000 within the first 90 days of receiving the card. The annual fees will be waived if you spend Rs. 1 lakh in a year.

Fuel Surcharge Waiver: Save on fuel surcharge with a 1% waiver on transactions between Rs. 500 and Rs. 3,000. The maximum fuel surcharge waiver allowed in a year is Rs. 3,500.

Railway Surcharge Waiver: Enjoy a discount on railway surcharges – 1.8% on and 2.5% at Indian Railways Booking Counters. The maximum railway surcharge waiver allowed in a year is Rs. 500.

Priority Attend: Reach out to customer support easily by sending an SMS “KASSIST” to 5676788, and they will call back within two hours. You can also avail of complimentary cheque pickup for paying your monthly dues.

Add-on Card: Your add-on card comes with all the benefits of the primary credit card. Set your desired spend limit on the add-on card and track spends separately.

Safety Features: The card has an embedded EMV chip for added security. Transactions require a 6-digit PIN authentication for enhanced protection.


Kotak Rewards is an exciting program that makes managing rewards points on your Kotak credit cards easy and hassle-free! With Kotak Rewards, you can redeem your points for a variety of benefits across different categories.

Mobile Recharge: Use your points to recharge your mobile phone.

Shopping: Choose from a wide selection of over 10,000 products to redeem with your points.

E-vouchers: Treat yourself to e-vouchers from popular brands using your rewards points.

Movies: Enjoy the latest movies with BookMyShow vouchers redeemed through your points.

Travel: Plan your next trip with travel-related benefits that you can avail using your points.


Are you looking for more ways to earn reward points while making transactions? We’ve got you covered! With our special milestone reward points program, you can get 2500 additional reward points for meeting a spending target and this offer is valid for the first year only.

How it Works: All you have to do is spend Rs. 75,000 or more during each quarter to qualify for the milestone reward. The quarters are divided into three-month periods. For example, the first quarter is from January to March, the second quarter from April to June, and so on.

When and How You Get Your Reward Points: Once you meet the spending target for a quarter, you will receive 2500 reward points as a bonus. These points will be credited to your account within 45 days from the end of each quarter. Only transactions that are settled within the specific quarter will be considered for the milestone benefit. For instance, if the milestone period is from January 1st to March 31st, only transactions settled by March 31st will count towards your eligibility for the reward points. keep an eye on your spending during each quarter and make sure to meet the Rs. 75,000 target to claim your 2500 reward points.


Tap and Pay: A Faster, Safer Way to Shop. With Visa payWave feature, you can use your Kotak Mojo Credit Card to make quick and secure transactions. No need to remember your PIN for small purchases up to Rs. 5000. simply wave your card over the payment terminal.

Card in Your Hand: When you make a contactless payment, you keep your credit card in your hand throughout the transaction. This reduces the risk of losing your card or someone using it without your permission.

Multiple Layers of Security: Contactless payments are protected by multiple security layers, making it difficult for fraudsters to access your sensitive information. These security measures include encryption and tokenization.

Limited Transaction Amount: For added safety, contactless payments have a maximum transaction limit (usually up to Rs. 5000). Beyond this limit, you’ll need to use your PIN for verification.

Short Range: Contactless payments require close proximity to the payment terminal to work. This ensures that accidental payments or remote scanning are unlikely to occur.

Contactless payments provide a convenient and secure way to make small purchases quickly. By waving your Kotak Mojo Credit Card over the payment terminal, you can enjoy a seamless shopping experience without compromising on security.


Primary Credit Card Holder:

Age: You must be between 21 and 65 years old.

Location: You should be a resident of one of these cities – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, or Pune.

Income: Your annual income should be Rs. 4 lakh or more.

Citizenship: You should be an Indian resident.

Add-On Card Holder:

Age: To get an add-on card, the person should be 18 years old or above.

Location: You should be a resident of one of these cities – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, or Pune.

Income: The primary cardholder’s income is usually considered for add-on card eligibility.


Joining Fees: When you get the credit card, there is a one-time fee of Rs. 1000.

Annual Fees – First Year: For the first year, there is an annual fee of Rs. 1000. However, if you spend at least Rs. 30,000 within the first 90 days of getting the card, this fee will be waived.

Annual Fees – Second Year: In the second year and onwards, there is an annual fee of Rs. 1000. But, if you spend Rs. 1,00,000 or more during the year, this fee will be waived.

Addon Card Fees: If you want an additional card for someone else, there will be a fee of Rs. 299 for each extra card.

Interest Charges: If you don’t pay the full amount on your credit card bill, you’ll be charged an interest rate of 3.5% per month (which is equivalent to an annual rate of 42%).

Minimum Amount Due: Each month, you need to pay either 5% or 10% of the total amount due, depending on the bank’s decision.

ATM Cash Withdrawal and other transactions: If you use your credit card for cash withdrawal, call a draft, fund transfer, or cash advance, you’ll be charged Rs. 300 for each Rs. 10,000 or part thereof.

Late Payment Charges: If you don’t pay your credit card bill on time, you’ll face late payment charges:

Rs. 100 for a bill outstanding up to Rs. 500
Rs. 500 for a bill outstanding between Rs. 500.01 and Rs. 10,000
Rs. 700 for a bill outstanding greater than Rs. 10,000

Over Limit Charge: If you spend more than your credit limit, there will be an over-limit charge of Rs. 500.

Cheque Bounce Charges: If your cheque payment bounces, you’ll be charged Rs. 500.

Foreign Currency Mark Up: For transactions in foreign currency, there will be an additional charge of 3.5%.

Railway Booking Surcharge: No extra charges for booking railway tickets using the credit card.

Fuel Surcharge: No additional surcharge for fuel transactions.

Fee for Cash Payment at Bank: If you pay your credit card bill in cash at the bank, there will be a fee of Rs. 100.

Outstation Cheque Processing Fee: No charges for processing outstation cheques.

Reissue/ Replacement Card: If you need a new card due to loss or damage, you’ll be charged Rs. 100.

Charge Slip Request: No charges for requesting charge slips.

Machine Surcharge at ATMs: No extra charges for using ATMs.

Balance Enquiry Charges at Non-Parent Bank ATM: No charges for checking your balance at other bank ATMs.

Duplicate Statement Request: No charges for getting duplicate statements.

Web Pay Service Fee: No charges for using the web pay service.

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