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.

• 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.

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

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

• 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.
  

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.

• 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.
  

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

• 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.

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.

• 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.

Fee‑waiver targets and attractive online rewards on the Kotak Mojo Platinum can push you to spend more than planned just to “unlock value”, which can backfire if you cannot clear the full statement each month. If rising online spends, EMIs, or accumulating Mojo‑card and other credit card dues are squeezing your cash flow, CashOn.cards’ CDMS can help you consolidate credit card obligations, structure repayments, and restore control over your overall credit exposure.