Kotak Mojo Platinum Credit Card Review

Author And Publisher: Gyro 3.o
30.06.2025 02:41 PM - Comment(s)

Kotak Mojo Platinum Credit Card

Financial Expert Advice

  Choose Your First (or Next) Credit Card Wisely  


   "Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.

Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;

 and lead to unnecessary debt. Focus on    stability & discipline."   


Kotak Mojo Platinum Credit Card Review
​"Simple Rewards, Smart Spends"

Introduction

The Kotak Mojo Platinum Credit Card is designed for digital-first consumers who value simplicity, flexibility, and rewards. With its straightforward reward structure, easy fee waivers, and practical travel and fuel benefits, this card is ideal for online shoppers, frequent travelers, and anyone who wants to maximize value on everyday spends, Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits


Reward Structure

  • The Mojo Platinum Credit Card will nurture the shopaholic in you.
  • Earn unlimited 2.5 Mojo points for every Rs. 100 on online spends.
  • Earn unlimited 1 Mojo point for every Rs. 100 on all other spends – except on fuel & cash withdrawal.
  • Please note :
    • Mojo points can be only earned on education and Insurance spends up to ₹70,000 per statement cycle each.
    • Mojo points can be only earned on utility spends up to ₹50,000 per statement cycle.
    • Mojo points can be only earned on government spends up to ₹40,000 per statement cycle.
    • Mojo points earnings against Wallet Load, Fuel, Rent & Online skill-based gaming Spends will be discontinued.

Milestone Benefits

  • Get 2500 Mojo points every quarter on spending Rs. 75,000. Valid for the first year (since issuance) only.

Lounge Access

  • Get 8 annual complimentary visits to DreamFolks Airport Lounges, within India. Visits limited to 2 per quarter.

Surcharge Waiver

  • The 1% fuel surcharge waiver is applicable on transactions that range between Rs.500 and Rs.3,000. Avail of a maximum fuel surcharge waiver of Rs.3,500 in each anniversary year. Fuel transactions are not eligible to earn any Mojo points.
  • Save railway surcharge of 1.8% for transactions on www.irtc.co.in and 2.5% for transactions on Indian Railways Booking Counters.

Fees and Charges

  • Get your Joining fees of Rs. 1,000 waived on spending Rs.30,000* in the first 90 days after card issuance.
  • Get your annual fees waived on spending Rs. 1 lakh annually.

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Card Essential

 Type Reward Points
 Welcome Benefits ----
  Annual FeeRs. 1,000 + gST waived on spending Rs.30,000* in the first 90 days*
 Reward StructureRewards On SPENDS
 Renewal BenefitSpend 1 Lakh+ annually, get your renewal fee waived. 

Rewards and Benefits Analysis

The Kotak Mojo Platinum Credit Card is best suited for online shoppers and frequent travelers who want a hassle-free, rewards-rich experience. Its unlimited points on online spends, easy fee waivers, and practical travel and fuel benefits make it a strong contender in the entry-level to mid-tier credit card segment.

Practical Considerations

  • Best for: Frequent online shoppers, travelers, and those who want simple, flexible rewards.
  • Annual Fee Waiver: Achievable with ₹1,00,000 annual spend.
  • Joining Fee Waiver: Achievable with ₹30,000 spend within 90 days.
  • No international lounge access or comprehensive insurance benefits.

Redemption Options

  • Redeem Mojo Points for gift vouchers, cashback, or other rewards.
  • Use lounge access and fuel surcharge waivers for added value.

Ideal User Profile

  • Individuals who shop frequently online and want to maximize rewards.
  • Travelers who value airport lounge access and fuel surcharge waivers.
  • Users who want a card with easy fee waivers and flexible redemption options.

Final Thoughts

The Kotak Mojo Platinum Credit Card is a smart choice for digital-first consumers who value simplicity, flexibility, and practical benefits. With its unlimited online rewards, easy fee waivers, and travel perks, it delivers excellent value for everyday shoppers and travelers.

Additional Tips for Applicants

  • Maximize rewards by using the card for all eligible online transactions.
  • Plan your annual spends to qualify for the annual fee waiver.
  • Redeem your Mojo Points regularly for best value.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the Kotak Mojo Platinum Credit Card aligns with their 

Spending Habits And Financial Goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.
Author And Publisher: Gyro 3.o

Author And Publisher: Gyro 3.o

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