Hdfc Bank Upi Rupay Credit Card vs Kotak Mojo Rupay Platinum Credit Card: Which is Better in 2026?
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Hdfc Bank Upi Rupay Credit Card lists a lower headline annual fee in our data (around ₹901 apart), before waivers. Kotak Mojo Rupay Platinum Credit Card currently has more lounge detail available from the issuer data we index. Always confirm current fees and offers on the issuer’s site before you apply.
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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 | Spend Rs.30000 For Joining Fees Waiver |
| Reward rate (headline) | 2% Cashpoints on Utility Spends | Earn 2.5 Mojo Points on every Rs.100 on Online |
| 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?
Hdfc Bank Upi Rupay Credit Card shows a higher headline earn signal in the reward summaries we index (2% Cashpoints on Utility Spends vs Earn 2.5 Mojo Points on every Rs.100 on Online). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
Kotak Mojo Rupay Platinum Credit Card has richer lounge-related fields in our current benefits extract (domestic: Enjoy 8 Complimentary Airport Lounge Access Per Year; international: —). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Hdfc Bank Upi Rupay Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Who should pick Hdfc Bank Upi Rupay Credit Card?
Consider Hdfc Bank Upi Rupay Credit Card if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Kotak Mojo Rupay Platinum Credit Card?
Consider Kotak Mojo Rupay Platinum Credit Card if you already bank with Kotak Mahindra Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Kotak Mojo Rupay Platinum Credit Card — domestic: Enjoy 8 Complimentary Airport Lounge Access Per Year; international: —. Hdfc Bank Upi Rupay Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the HDFC Bank and Kotak Mahindra Bank websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹99 vs ₹1,000 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the HDFC Bank and Kotak Mahindra Bank websites for the final number.
On the first reward band we surface, Hdfc Bank Upi Rupay Credit Card shows a stronger headline earn (2% Cashpoints on Utility Spends vs Earn 2.5 Mojo Points on every Rs.100 on Online). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Hdfc Bank Upi Rupay Credit Card: Spend Rs.25000 For Renewal Fee Waiver Kotak Mojo Rupay Platinum Credit Card: Spend Rs.30000 For Joining Fees Waiver Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Hdfc Bank Upi Rupay Credit Card: 3.50% - Foreign Currency Transactions Kotak Mojo Rupay Platinum Credit Card: 3.5% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the HDFC Bank and Kotak Mahindra Bank websites.