Kotak Mojo Platinum Credit Card

Kotak Mojo Platinum Credit Card is a rewards credit card that offers benefits across multiple categories, like lifestyle, travel, fuel, and more. You can also earn higher reward points on your online transactions. Below mentioned are some of the major Kotak Mojo Platinum Credit Card benefits:

2.5X Reward Points on Online Spends

This credit card lets you earn up to 2.5X reward points on your online transactions. You are rewarded with Mojo points for your transactions, which you can later redeem against a variety of categories, like credit card statement, shopping, travel and more. Here are all the details related to the reward points offered on this card:

• 5 Mojo points per Rs. 100 for all online spends
• 1 Mojo point per Rs. 100 on all other spends

Points to be noted:

• There is no maximum cap on the reward earnings
• Mojo points are valid for 2 years from the date of accrual
• No Mojo points are offered on fuel and cash withdrawal

Also read: Best Credit Cards for Reward Points

Reward Points Redemption:

• You can redeem the Mojo points against a variety of categories like shopping, mobile recharge, e-vouchers and products available under the rewards catalogue
• Mojo points can be redeemed against your outstanding statement against a value of 1 Mojo point = Re. 0.40. However, a minimum of 2,500 Mojo points are required to redeem them against a credit card statement.
• Mojo points can also be redeemed at other categories at a value of 1 Mojo point = Re. 0.25

Milestone Benefit worth Rs. 1,000

Kotak Mojo Platinum Credit Card offers bonus Mojo points on achieving the spending milestone as per the below details:

Note: Bonus points will be credited to your account within 45 days from the end of the quarter.

Suggested read: Best Credit Cards for Beginners

Airport Lounge Access

With this card, you can avail lounge at domestic as well international terminals as per the below details:

• 8 complimentary visits per year to airport lounges within India (both domestic and international terminals)
• Maximum 2 visits can be availed per quarter

Click here for the list of eligible lounges.

Fuel Surcharge Waiver

You can get a fuel surcharge waiver on your fuel transactions across all petrol pumps in India. Below mentioned are the details regarding the same:

• 1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 3,000
• Maximum waiver of 3,500 in a year

Suggested read: Best Fuel Credit Cards in India

Railway Surcharge Waiver

This credit card offers up to 2.5% railway surcharge waiver on your transactions as per the below details:

• 8% railway surcharge waiver for transactions made on the IRCTC website
• 5% railway surcharge waiver for transactions made at Indian Railways booking counters
• The maximum railway surcharge waiver that is allowed in an anniversary year is Rs. 500

Below mentioned are the Kotak Mojo Platinum Credit Card fees and other charges:

Click here to check other associated fees and charges. 

You must meet the below-mentioned eligibility criteria to apply for Kotak Mojo Platinum Credit Card:

If you are looking for other credit cards that offer decent rewards for your purchases, you can consider the credit cards mentioned in the table below:

Q. Can I earn reward points on my fuel expenses via Kotak Mojo Platinum Credit Card?

A. No, you cannot earn reward points on your fuel expenses, but you can get a fuel surcharge waiver. You will get a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 (maximum fuel waiver of Rs. 3,500 in every calendar year).

Q. How can I apply for Kotak Mojo Platinum Credit Card?

A. You can apply for this credit card via both online and offline modes. To apply online, you can visit the official website of the bank and apply online by filling out the application form. Besides this, you can also visit nearest branch of the bank to apply offline for this credit card. You need to submit a duly filled application form along with relevant documents (if required) to apply for this credit card.

Q. How can I check the application status of my Kotak Mojo Platinum Credit Card?

A. You can check the application status of your credit card application by visiting the official website of the bank. However, you are required to enter the application number in order to track your status. Besides this, the bank also sends an update to your registered mobile number regarding the application status.

Q. Can I withdraw cash using my Kotak Mojo Platinum Credit Card?

A. Yes, you can withdraw cash from any ATM through your credit card. However, a cash withdrawal fee of Rs. 300 for every Rs. 10,000 withdrawn. Therefore, it is advisable not to withdraw cash using your credit card as it comes with high charges.

Q. What is the forex markup fee charged on Kotak Mojo Platinum Credit Card?

A. The fore markup fee charged on Kotak Mojo Platinum Credit Card is 0.035%, which is low as compared forex markup fee charged by other entry-level credit cards.

Q. Is it mandatory to book tickets through IRCTC to get the railway surcharge waiver on bookings via Kotak Mojo Platinum Credit Card?

A. Yes, you should book your tickets via IRCTC or at the Indian Railways booking counter to avail the railway surcharge waiver. You can get a 1.8% railway surcharge waiver for transactions made on IRCTC website and 2.5% railway surcharge waiver for transactions made at Indian Railways booking counters.

Q. Can I make contactless payments via Kotak Mojo Platinum Credit Card?

A. Yes, you can make contactless payments for transactions of up to Rs. 5,000. To make any payment, you are just required to tap your credit card at the PoS machine. There is no need to enter the PIN for contactless transactions.