कोटक मोजो प्लेटिनम क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: Kotak Mahindra Bank Ltd.
Digital-first card offering 2.5 Mojo points per ₹100 online, 8 domestic airport lounge visits, and 2,500 quarterly milestone bonus points.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
Kotak Mojo Platinum Credit Card is a digital-first card designed for online shoppers and frequent domestic travelers. It offers 2.5 Mojo points per ₹100 on e-commerce, 8 domestic airport lounge visits, quarterly milestone bonus points, and spend-based annual fee waivers.
1,000 Mojo points (worth ₹400) credited upon spending ₹5,000 within the first 45 days of card issuance.
8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter) at partner airport lounges across India.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹500 and ₹3,000 (maximum waiver of ₹3,500 annually).
Earn 2,500 bonus Mojo points on reaching ₹1 Lakh spend in a quarter. Annual fee reversal on ₹1 Lakh annual spend.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹30,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹4,00,000.
न्यूनतम वार्षिक आय आवश्यकता
₹30,000/month (Salaried) / ₹4,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Offline spend earn rate is 0.40%. No international lounge visits are included on Mojo Platinum. Forex markup is 3.50%.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit kotak.com/cards or open Kotak Mobile app. Step 2: Enter PAN and mobile number for instant eligibility check. Step 3: Select Kotak Mojo Platinum Credit Card. Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on Kotak Mojo Platinum Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹700 for ₹5,001–₹10,000; ₹800 for ₹10,001–₹25,000; ₹1,000 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on Kotak Mojo Platinum Credit Card into EMI?
Yes, Kotak Mahindra Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on Kotak Mojo Platinum Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Kotak Mahindra Bank Ltd.'s official mobile banking application or web portal. 1 Mojo Point = ₹0.40 against flight/hotel bookings or statement balance cash credit. Please note: Mojo points expire 2 years (24 months) from the date of accrual.
What is the interest-free grace period on Kotak Mojo Platinum Credit Card and how does it work?
The interest-free period on Kotak Mojo Platinum Credit Card is Up to 48 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.