Hdfc Bank Upi Rupay Credit Card vs Kotak Mojo Rupay Platinum Credit Card: Which is Better in 2026?
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The Hdfc Bank Upi Rupay Credit Card and Kotak Mojo Rupay Platinum Credit Card both operate on the Rupay network but cater to different user preferences. HDFC's card focuses on cashback rewards across groceries, dining, and utilities with a low annual fee. Kotak's Mojo card offers milestone bonuses, lounge access, and higher fees, targeting users who value travel perks and quarterly rewards. Both cards have similar forex markup charges but differ significantly in fee structure and reward redemption value.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Hdfc Bank Upi Rupay Credit Card | Kotak Mojo Rupay Platinum Credit Card |
|---|---|---|
| Bank | HDFC Bank | Kotak Mahindra Bank |
| Network | Rupay | Rupay |
| Joining fee | Joining Fee of Rs.99 | Joining Fee of Rs.1000 |
| Annual / renewal fee | Renewal Fee of Rs.99 | Annual Fee of Rs.1000 |
| Annual fee waiver | Spend Rs.25000 For Renewal Fee Waiver | First Year Fee Waived Upon Spending Rs.1 Lakhs |
| Reward rate (headline) | 3% Cashpoints on Groceries and SuperMarket | Earn 1 Mojo Points on every Rs.100 |
| Lounge — domestic | — | Enjoy 8 Complimentary Airport Lounge Access Per Year |
| Milestone benefit | — | Earn 2500 Mojo Points Every Quarter on Spending Rs.75000 |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
For rewards, the Hdfc Bank Upi Rupay Credit Card provides higher cashback rates of 3% on groceries, dining, and PayZapp transactions, plus 2% on utility spends, all capped at 500 points per category. Its reward points can be redeemed at a rate of Rs.0.25 per cashpoint. In contrast, the Kotak Mojo Rupay Platinum Credit Card earns Mojo Points at a base rate of 1 point per Rs.100 spent, with 2.5 points on online spends and a quarterly milestone bonus of 2500 points on Rs.75,000 spend. Kotak's points redeem for Rs.0.40 per point against statement balance, which is a better redemption rate but requires a higher minimum points threshold. Overall, HDFC offers more straightforward and frequent cashback benefits, while Kotak rewards are more milestone and online spend focused.
Which is better for travel?
Regarding travel benefits, Kotak Mojo Rupay Platinum Credit Card offers 8 complimentary domestic airport lounge accesses annually, which is a significant perk for frequent travelers. The Hdfc Bank Upi Rupay Credit Card does not provide any lounge access or travel-related benefits. Both cards have the same forex markup fee of 3.5%, so neither offers an advantage in foreign currency transactions. Therefore, Kotak's card is better suited for users seeking travel convenience and lounge access.
Which has lower effective cost?
The Hdfc Bank Upi Rupay Credit Card has a very low joining and renewal fee of Rs.99 each, with a renewal fee waiver on spending Rs.25,000 annually, making it cost-effective for moderate spenders. On the other hand, Kotak Mojo Rupay Platinum Credit Card charges a higher joining and annual fee of Rs.1000 each, with the first year fee waived only upon spending Rs.1 lakh. Additionally, Kotak charges Rs.299 for add-on cards. For users prioritizing low fees and easier fee waivers, the HDFC card is more economical.
Reward Redemption Value
Kotak Mojo Rupay Platinum Credit Card offers a better redemption rate of Rs.0.40 per Mojo Point against the statement balance, compared to HDFC's Rs.0.25 per Cashpoint. However, Kotak requires a minimum of 2500 points for redemption, which may delay benefit realization for lower spenders.
Fee Waiver Complexity
Hdfc Bank Upi Rupay Credit Card waives the renewal fee on an annual spend of Rs.25,000, which is relatively easy to achieve. Kotak Mojo Rupay Platinum Credit Card waives the first-year fee only if the user spends Rs.1 lakh, a higher threshold that might not suit moderate spenders.
Who should pick Hdfc Bank Upi Rupay Credit Card?
Consider Hdfc Bank Upi Rupay Credit Card if you prefer a low-fee credit card with straightforward cashback rewards on everyday spends like groceries, dining, and utilities. It is suitable for users who want to minimize costs while earning decent rewards without needing travel perks or lounge access.
Who should pick Kotak Mojo Rupay Platinum Credit Card?
Consider Kotak Mojo Rupay Platinum Credit Card if you value travel-related benefits such as complimentary domestic airport lounge access and milestone rewards. It is ideal for users with higher spends who can utilize quarterly bonuses and prefer a card that rewards online purchases more generously, despite the higher fees.
Frequently Asked Questions
Hdfc Bank Upi Rupay Credit Card charges Rs.99 for joining and renewal, with renewal fee waived on Rs.25,000 spend. Kotak Mojo Rupay Platinum Credit Card charges Rs.1000 for joining and renewal, with the first year fee waived on Rs.1 lakh spend.
Only Kotak Mojo Rupay Platinum Credit Card offers 8 complimentary domestic airport lounge accesses per year. Hdfc Bank Upi Rupay Credit Card does not provide lounge access.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
Hdfc Bank Upi Rupay Credit Card offers 3% cashback in the form of Cashpoints on groceries and dining, whereas Kotak Mojo Rupay Platinum Credit Card offers 1 Mojo Point per Rs.100 spent, with higher points on online spends.
Kotak Mojo Rupay Platinum Credit Card offers a quarterly milestone of 2500 Mojo Points on spending Rs.75,000. Hdfc Bank Upi Rupay Credit Card does not have milestone benefits.
Kotak Mojo Rupay Platinum Credit Card allows redemption at Rs.0.40 per Mojo Point against the statement balance, while Hdfc Bank Upi Rupay Credit Card redeems at Rs.0.25 per Cashpoint.