Kotak Mojo Platinum Credit Card: Fees, Mojo Points & Real Value
The Kotak Mojo Platinum Credit Card is an online-shopping-focused card that rewards cardholders with Mojo Points, particularly on digital spends. It also includes 5% cashback on select popular partners like Swiggy, PVR, and Cleartrip. Here’s the 2026 breakdown.
Key Fees
- Joining fee: verify current (typically around ₹500-1,000 + GST)
- Annual fee: similar range, waived on ₹1 lakh annual spend (Years 1 and 2 only)
- Joining fee waiver: on ₹30,000 spend in first 90 days
- Fuel surcharge waiver up to ₹3,500 annually
Reward Structure
- Unlimited 2.5 Mojo points per ₹100 on online spends
- Unlimited 1 Mojo point per ₹100 on all other spends
- Exclusions: fuel and cash withdrawals
- Milestone: 2,500 Mojo points every quarter on ₹75,000 spend (Year 1 only)
5% Cashback Partners
- Swiggy and Swiggy Instamart
- PVR
- Cleartrip
- Urban Company
Lounge Access
- 8 complimentary airport lounge visits per year (2 per quarter)
- Available at 27+ outlets — both domestic and international terminals in India
Other Benefits
- Railway surcharge waiver: 1.8% on IRCTC, 2.5% at Indian Railways counters (cap ₹500/year)
- Contactless payments
- EMI conversion on large purchases
Who Should Get It
- Online shoppers — 2.5X on online spends is competitive
- Users who frequent Swiggy, PVR, Cleartrip, or Urban Company
- Urban professionals with ₹1 lakh+ annual spend to trigger fee waiver
- Kotak customers wanting broader rewards beyond the basic 811 DreamDifferent
When to look elsewhere
- Amazon Pay ICICI (zero fee) gives 5% on Amazon which likely beats Mojo for Amazon-heavy users
- Flipkart Axis gives 5-7.5% on Flipkart/Myntra spend
- Year 3 onwards fee waiver isn’t available — evaluate ongoing value
How to Apply
Apply on the Kotak Mojo Platinum page. Eligibility: salaried ₹25,000+/month, CIBIL 720+.
Final Verdict
Kotak Mojo Platinum is a decent online-shopping-and-lifestyle card with a good 5% cashback partner list and 8 lounge visits at a modest fee. Best suited for Kotak customers whose online spend overlaps with the 5% partner merchants. Not the strongest card in any single category, but a solid all-rounder for its fee tier.
See also: Kotak 811 DreamDifferent review, Kotak League Platinum review.
Last updated: April 2026. Verify current terms on Kotak’s Mojo Platinum page before applying.