The Kotak Mojo RuPay Platinum has a ₹1,000 annual fee (waived on ₹1 lakh annual spend), earns 1 Mojo Points on every ₹100, includes 8 airport lounge visits a year and charges a 3.5% forex markup.
| Annual fee | ₹1,000 |
|---|---|
| Joining fee | ₹1,000 |
| Annual fee waived | On ₹1 lakh annual spend |
| Base rewards | 1 Mojo Points on every ₹100 |
| Lounge access | 8 airport lounge visits a year |
| Forex markup | 3.5% |
From issuer benefit data, checked 23 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
63 online offers across 42 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.3000 Discount · till 31 Oct
- AJIO: Flat Rs.150 off · till 31 Jul 2027
- MakeMyTrip: Upto 35% Instant Discount · till 31 Dec
- Goibibo: Upto 25% off · till 31 Dec
- EaseMyTrip: Flat 15% off · till 31 Dec
These are Kotak Mahindra Bank's own offers and RuPay network offers, so they apply to every Kotak Mahindra Bank RuPay card, not just this one. All Kotak Mahindra Bank offers by category.
More about the Kotak Mojo Rupay Platinum Credit Card
Is the Kotak Mojo Rupay Platinum Credit Card worth it in 2026?
Yes, the Kotak Mojo Rupay Platinum Credit Card offers strong rewards with 2.5 Mojo Points on every Rs.100 spent online and 1 point on other spends. The card also provides 8 complimentary domestic airport lounge accesses per year, making the Rs.1000 annual fee worthwhile, especially with the second-year fee waived after spending Rs.1 lakh.
Who should get the Kotak Mojo Rupay Platinum Credit Card?
This card is ideal for frequent online shoppers and travelers who can benefit from earning 2.5 Mojo Points per Rs.100 online and enjoy 8 complimentary domestic airport lounge visits annually. Users who can spend Rs.75,000 quarterly to earn milestone points and Rs.1 lakh annually to waive the second-year fee will maximize its value.
How to maximise rewards on the Kotak Mojo Rupay Platinum Credit Card?
To maximize rewards, focus on online spending to earn 2.5 Mojo Points per Rs.100 and aim to spend Rs.75,000 each quarter to earn an additional 2,500 Mojo Points. Also, ensure annual spending of Rs.1 lakh to waive the second-year fee, increasing overall savings.
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 and 8 domestic lounge accesses, premium cards may offer higher lounge access counts or additional benefits. However, its low Rs.1000 fee and milestone rewards make it a strong contender for value-conscious users.