Key Benefits
More about the Kotak Mojo Rupay Platinum Credit Card
Is the Kotak Mojo Rupay Platinum Credit Card worth it in 2026?
The Kotak Mojo Rupay Platinum Credit Card offers 2.5 Mojo Points per Rs.100 spent online and 1 point per Rs.100 on other spends. With 8 complimentary airport lounge accesses annually and a quarterly milestone bonus of 2500 points on Rs.75,000 spend, it provides good value for frequent online shoppers and travelers. The Rs.1000 joining and annual fees can be waived by spending Rs.30,000, making it cost-effective.
Who should get the Kotak Mojo Rupay Platinum Credit Card?
This card is ideal for online shoppers and frequent domestic travelers who can utilize the 2.5 Mojo Points on online spends and 8 complimentary airport lounge visits per year. Users who spend at least Rs.75,000 quarterly to earn milestone points and can meet the Rs.30,000 spend to waive fees will benefit the most.
How to maximise rewards on the Kotak Mojo Rupay Platinum Credit Card?
To maximise rewards, focus on spending online to earn 2.5 Mojo Points per Rs.100 and aim to spend Rs.75,000 every quarter to earn the 2500 milestone points. Additionally, ensure you spend Rs.30,000 annually to waive the joining fee and avoid extra costs.
Is the Kotak Mojo Rupay Platinum Credit Card better than a top competing premium card?
While the Kotak Mojo Rupay Platinum Credit Card offers competitive rewards on online spends and useful lounge access, its Rs.1000 annual fee and joining fee (waivable on Rs.30,000 spend) make it more affordable than many premium cards. However, premium cards may offer higher rewards rates or more extensive benefits, so it depends on your spending habits and benefit preferences.