Kotak Mojo Platinum Credit Card Review

If you are looking for a credit card that can offer you shopping and travel benefits, then you should take a look at the kotak mojo platinum credit card. It is one of the semi-premium credit cards offered by Kotak Mahindra bank. Making your traveling more comfortable, this card offers accelerated rewards on every transaction, free access to airport lounges, attractive discounts on railway surcharges, and lots more. This card works on the Visa platform and charges Rs. 1000 as an annual fee. Now let’s go through the kotak credit card details and see if it can justify the ‘mojo meaning’ or not.

How does the kotak credit card eligibility criteria work?

  • Resident Type: Indian
  • Kotak mahindra bank credit card eligibility criteria For salaried person:
    • Age: 21 to 60 years.
    • What is the income criteria for Mojo platinum credit card holder? The average income should be greater than Rs. 25,000 monthly.
  • Kotak credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 years
    • Income: Annual income tax return should be greater than Rs. 4 lakh.
  • An excellent credit score (above 760) is required for this kotak mahindra mojo credit card

As you submit your kotak credit card application, you will get an unique application id. You can later use that to track your kotak credit cards status.

What documents are required to apply for the kotak mojo platinum credit card?

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

As per the new RBI regulation for credit card issuers, all new credit cards are delivered in an inactive state. The users can activate them by generating a new kotak credit card pin. To know more about the kotak credit card pin generation process feel free to visit our faq page

What are the kotak mojo credit card fees?

  • Kotak bank credit card joining fee: Rs. 1000 + GST
  • Kotak credit card annual charges: Rs. 1000 + GST

What are the kotak mojo platinum credit card benefits?

  • Make every transaction rewarding:

For almost every transaction you make using this card, you can earn mojo points, the details of the kotak credit card rewards scheme are discussed below. 

Category of transaction

Rate of earning kotak credit card rewards

Every time you spend Rs. 2000 or more on online transaction 2.5 points for each Rs. 100 transaction (maximum 750 points per kotak credit card statement cycle on online transactions)
All other transactions made using this card 1 point per Rs. 100 transactions (maximum 750 points in a kotak bank credit card statement cycle)

You will not earn any kotak rewards points for fuel purchase and cash withdrawal. The reward points are valid for one year from the date of their accrual. And you can earn a maximum of 2250 points in a kotak credit card billing cycle. You can use your points to get a product from the kotak credit card reward points redemption catalogue.

  • Add comfort to your travel:

One of the most searched questions is, ‘Does Kotak Platinum Card have lounge access?’ The answer is yes, this mojo platinum kotak credit card gives you free access to most of the frontline airport lounges. You will get up to 8 free access per year (maximum 2 per quarter).

  • Enjoy freedom from fuel surcharges:

If you use this Kotak mojo card to purchase fuel, you will get a 1% waiver on fuel surcharges. This mojo offer is applicable on transactions between Rs. 500 to Rs. 3000 and you can earn a maximum of Rs. 3,500 waivers in a year. You can check your kotak credit card balance from the kotak bank credit card app.

  • Opportunity to earn something extra:

Total usage


Rs.75,000 in a quarter 2500 kotak credit card rewards (for the first year only)
Rs.30,000 within the first 30 days of your kotak credit card activation A complete waiver on the first year joining fee
Rs.1 lakh within a year A complete waiver on your next year’s kotak mojo platinum credit card annual fee

You can track your credit card usage from your kotak credit card net banking account.

  • Discount on railway surcharges:

If you use this kotak platinum credit card to book railway tickets you will get a 1.8% waiver on railway surcharges (if booked from the IRCTC website ) and a 2.5% waiver of booked from ticket booking counters.

  • Instant kotak credit card bill payment options:

You can make your monthly kotak credit card payment online from your kotak credit card app or from any credit card payment app like Google pay, Paytm, Cred, etc. But if you don’t have access to those kotak credit card online payment options, then you can pay your kotak credit card bill from your nearby Kotak Mahindra branch.

  • Cutting-edge security:

On this mojo credit card kotak mahindra bank offers the security of the EMV chip, it is a specially designed chip that uses a very strong encryption method to store your credit card information, which makes your card nearly impossible to clone.

What are the kotak credit card charges?


Payable amount
Kotak credit card cash withdrawal charges Rs. 300 for each Rs. 10000 withdrawal (applicable once per withdrawal, and you should check your available kotak mojo platinum credit card limit before making a withdrawal)
Kotak mojo card finance charges The kotak credit card interest rate can go up to 3.5% monthly or 42% annually
Mojo platinum credit card international transaction charge  Can go up to 3.5% against the transaction amount (applicable once per transaction)
Kotak add-on credit card fees Rs. 299 annually

How to contact the kotak cards customer care department?

  • Call the kotak credit card customer care no: 1800-209-0000 (Toll-Free), 022-6600-6022
  • Write to the kotak credit card customer care email id: customerfirst@kotak.com 

100xGain Ratings: 


Pros and cons of the Kotak mojo credit card:



  • This kotak platinum credit card is very good at offering reward points on online and shopping categories
  • The kotak mojo credit card features free access to airport lounges
  • The add-on cards are not free of cost

If you don’t want to continue with your Kotak mojo card anymore, then make sure to visit our faq page to know, How can I close my Kotak Mojo credit card?

Final Opinion:

After analyzing the benefits of kotak credit card I can say that this mojo kotak credit card is very good at offering reward points and free access to airport lounges. If you want to earn reward points, then this card can help you earn some handsome rewards.

But if you like benefits like; cashback or discount on online shopping, then  I would suggest you take a look at the 100xGain top cashback credit card pages. You can also compare the alternative card options given below.

Alternative cards of the mojo kotak credit card: 

  1. 6e Rewards – Indigo HDFC Credit Card (Best for travel benefits) 
  2. Intermiles hdfc diners club credit card (Best for reward points, lounge access, and dining benefits) 
  3. Indusind Iconia Amex Credit Card (Best for reward points, lounge access, and movie benefits) 
  4. LIC Eclat Credit Card (Best for reward points, lounge access, and fuel benefits) 

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