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Kotak Mahindra Bank
Kotak Mojo Platinum Credit Card
Visa
Kotak Mojo Platinum Credit Card
A mid-tier lifestyle card pairing quarterly domestic lounge access with unlimited online-spend points — a reasonable all-rounder, though the joining/annual fee waiver thresholds require meaningful spend.
Rates and fees last verified 15 July 2026.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
Benefits by category
- ✈️ Travel
8 complimentary DreamFolks domestic airport lounge visits per year (2/quarter)
- 🛍️ Shopping
2.5% reward rate
- ⛽ Fuel
1% fuel surcharge waiver, capped at ₹3,500/year
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 8 complimentary DreamFolks domestic airport lounge visits per year (2/quarter)
- 1% fuel surcharge waiver, capped at ₹3,500/year
- Railway surcharge waiver on IRCTC and counter bookings
- 2,500 bonus Mojo points on ₹75,000 quarterly spend (first year only)
Pros
- + 8 domestic lounge visits/year for a modest fee
- + Unlimited 2.5X points on online spends
- + Fuel and railway surcharge waivers
Cons
- − No international lounge access
- − Milestone bonus only applies in the first year