Kotak Mojo Platinum Credit Card 2025
8 Domestic Lounge Visits
2.5% Reward Points
Milestone Vouchers
₹999 + GST Fee
Get over ₹15,000+ value with 8 lounges + 2.5% rewards + milestone benefits!
Best mid-premium card! Kotak Mojo Platinum gives 8 domestic lounge visits, 2.5 reward points per ₹100, milestone vouchers up to ₹6,000, and low forex markup.
Perfect for frequent travelers & reward hunters!
Why Choose Kotak Mojo Platinum in 2025?
8 lounges • 2.5% rewards • Milestone vouchers • 2% forex • Fuel waiver
Best for: Domestic travelers, movie buffs, balanced spenders
Card At a Glance
Joining Fee
₹999 + GST
₹999 + GST
Annual Fee
₹999 + GST
₹999 + GST
Reward Rate
2.5 RP per ₹100
2.5 RP per ₹100
Lounge Access
8 Domestic/Year
8 Domestic/Year
Forex Markup
2%
2%
Welcome Gift
2,500 Points
2,500 Points
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹999 + GST |
| Annual Fee | ₹999 + GST |
| Reward Points | 2.5 RP per ₹100 |
| Forex Markup | 2% + GST |
| Fuel Waiver | 1% (up to ₹3,500/year) |
| Interest Rate | 3.5% per month |
Detailed Reward Rates (2025)
- 2.5 RP per ₹100 on all spends
- 2,500 welcome points on paying joining fee
- Milestone: ₹1,000 voucher every ₹1.25L spend (max ₹6,000/year)
- 1 RP = ₹0.25 (vouchers) / ₹0.50 (airmiles)
Airport Lounge Access
- 8 complimentary domestic lounge visits per year
- 2 visits per quarter
- Dreamfolks network
Insurance & Protection Benefits
- ₹50 Lakh air accident cover
- Zero lost card liability
- Purchase protection up to ₹50,000
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 8 domestic lounge visits | ₹999 + GST annual fee |
| 2.5% reward rate | No international lounge |
| Low 2% forex markup | Rewards not best-in-class |
| Good milestone benefits |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹6 Lakh
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, Salary Slip / ITR
How to Apply Online (3-Minute Process)
- Visit Kotak website
- Select Mojo Platinum → Apply
- Fill details & upload docs
- Video KYC
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
Best mid-premium lounge card! 8 visits + 2.5% rewards + 2% forex = ₹15K+ value/year. Perfect for domestic flyers!
Frequently Asked Questions (FAQs)
8 lounge visits domestic only?
Yes, only domestic lounges.
Forex 2% hai?
Yes! Lowest in this segment.
Milestone voucher kitna?
₹1,000 every ₹1.25L spend (max ₹6,000/year).