Kotak Mahindra Bank
Platinum · Mojo
Kotak Mojo Credit Card
Kotak Mahindra Bank
Cashback on online shopping and bill payments
Annual Fee
₹1,000
Joining Fee
₹1,000
Reward Rate
0.1%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹8,820
Total Annual Benefits
₹10,000
Total Annual Charges
₹1,180
ROI
747%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Cashback Benefits (1)
5% Cashback on Online Shopping
Earn 5% cashback on all online shopping transactions
- • Valid on online shopping merchants
- • Monthly cap may apply
5% cashback
Reward Points (1)
2X on Bill Payments
Earn 2X reward points on all bill payment transactions
- • Valid on utility and bill payment transactions
2X RP on bills
Airport Lounge Access (1)
Domestic Lounge Access
4 complimentary domestic airport lounge visits per year
- • 1 visit per quarter at domestic lounges
4 visits/year
₹8,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Kotak Reward Points
1 RP per ₹200
Effective cashback: 0.13%
Points expire: 2 years from date of accrual
Redemption Options
- → Products & Vouchers via Kotak Rewards Catalogue
- → Cashback (1 RP = ₹0.25)
Bonus Categories
Online Shopping
0x multiplier
5% direct cashback instead of RP
Bill Payments
2x multiplier
2X reward points on bill payments
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹1,000 Excluding GST |
| Annual Fee | ₹1,000 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹50,000
- Min. Annual Income
- ₹6,00,000
- Min. Credit Score
- 720
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹50,000
- • Self-Employed: ITR > ₹6 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹20.0 L
Permanent Disability
₹20.0 L
Lost Card Liability
₹2.5 L
Report within 24h
- • Credit liability cover: ₹2.5 Lakh
- • Fraud protection on lost/stolen card
Airport Lounge Access
Domestic
4 visits/year
1 per quarter
~₹2,000/visit
International
0 visits/year
Not available
Dreamfolks
- • Domestic: 1 complimentary visit per quarter
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹2,50,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility 5% cashback on online shopping 2X rewards on bill payments
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Kotak Mojo Credit Card is designed for online shoppers, offering 5% cashback on online shopping and 2X reward points on bill payments. With an aff...
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