Kotak Mojo Platinum Credit Card

Kotak Mahindra Bank presents the Kotak Mojo Platinum Credit Card, designed to enhance customer satisfaction through rewarding experiences. It accrues Mojo Points, redeemable across shopping, travel, and more, even for outstanding statements. Offline spending of Rs. 100 earns 1 Mojo Point, with additional rewards for online purchases and KayMall. Achieve milestone spending to receive gift vouchers worth Rs. 1,000 every quarter. Plus, enjoy the luxury of annual complimentary domestic lounge access, elevating your travel experiences.

Key Highlights of Kotak Mojo Platinum Credit Card

The key highlights of the Kotak Mojo Platinum Credit Card are:

  • Ideal for Online Shopping & Earning Rewards
  • Joining Fee: Rs. 1,000 (Reimbursed with Rs. 30,000 spent in 90 days)
  • Renewal Fee: Rs. 1,000 (Waived if spending Rs. 1 lakh in the last year)
  • Minimum Annual Income: Rs. 4 lakh
  • Outstanding Feature: Earn 2.5 Mojo points for every Rs. 100 spent online

Features and Benefits of Kotak Mojo Platinum Credit Card

Key Features and Benefits of the Kotak Mojo Platinum Credit Card:

1. Mojo Point Benefits:

  • KayMall Spending: Earn 5 Mojo points for every Rs.100 spent at KayMall.
  • General Spending: Earn 1 Mojo point for every Rs.100 spent on all other transactions.
  • Online Spending: Earn 2.5 Mojo points for every Rs.100 spent on online purchases.

2. Shop More, Earn More:

  • Spend Rs. 2,000 or more at KayMall and earn 5 Mojo points for every Rs.100.

3. Travel and Airport Lounge Benefits:

  • Enjoy 8 free airport lounge accesses annually within India (2 visits per quarter).

4. Fuel Surcharge Benefits:

  • Receive a 1% fuel surcharge waiver on transactions ranging from Rs.500 to Rs.3,000.
  • Maximum fuel waiver of Rs.3,500 per calendar year.

5. Railway Surcharge Waiver:

  • Save 1.8% on transactions at www.irtc.co.in.
  • Save 2.5% on transactions at Indian Railways Booking Counters.
  • Maximum surcharge waiver of Rs.500 per calendar year.

Kotak Mojo Platinum Credit Card Fees and Charges

Here are the key points about the Kotak Mojo Platinum Credit Card fees and charges:

1. Joining Fee: Rs. 1,000, but it’s waived if you spend Rs. 30,000 in the first 90 days after issuance.

2. Annual Fee: Rs. 1,000, but it’s waived if you spend Rs. 1 Lakh in the previous year.

3. Finance Charges: 3.5% per month (42% per annum) on unpaid balances.

4. Late Payment Fee:

  • For Statement Balance less than or equal to Rs. 500: Rs. 100
  • Between Rs. 501 to Rs. 10,000: Rs. 500
  • Above Rs. 10,000: Rs. 700

Kotak Mojo Platinum Credit Card Eligibility

1. Age Requirement:

  • Applicants must be between 21 and 65 years old.

2. Occupation:

  • Both salaried and self-employed individuals are eligible.

3. Minimum Income Requirement:

  • A minimum annual income of Rs. 4 lakh is required.

4. Documents Required:

  • Please refer to the provided document list for eligibility.

5. Serviceable Cities:

  • This card is available in Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune.

Documents Required for Kotak Mojo Platinum Credit Card

To apply for a Kotak Mojo Platinum Credit Card, you typically need the following documents:

1. Proof of Identity:

  • Passport
  • Aadhar Card
  • Voter ID
  • Driving License
  • PAN Card

2. Proof of Address:

  • Aadhar Card
  • Utility bills (electricity, water, gas)
  • Passport
  • Bank statement

3. Proof of Income:

  • Salary slips (for salaried individuals)
  • Income tax returns
  • Bank statements (for self-employed individuals)

4. Passport-sized photographs

How to apply for Kotak Mojo Platinum Credit Card

To apply for a Kotak Mojo Platinum Credit Card, you have two options:

Offline Application:

  1. Visit your nearest Kotak branch.
  2. Ensure you have the required documents.
  3. Fill out the physical application form at the branch.

Online Application:

  1. Go to Kotak bank’s official website.
  2. Click on ‘Explore Products.’
  3. Navigate to ‘Cards.’
  4. Select ‘Credit Cards.’
  5. Choose ‘Kotak Mojo Platinum Credit Card.’
  6. Click ‘Apply Now.’
  7. Fill in the necessary details online as per the website instructions.

Frequently Asked Questions (FAQs)

1. What is the Kotak Mojo Platinum Credit Card?
The Kotak Mojo Platinum Credit Card is a premium credit card offered by Kotak Mahindra Bank. It is designed to provide cardholders with exclusive benefits, rewards, and privileges, making it an ideal choice for those seeking a superior credit card experience.

2. How can I apply for the Kotak Mojo Platinum Credit Card?
You can apply for the Kotak Mojo Platinum Credit Card online through the official Kotak Mahindra Bank website. Alternatively, you can visit a Kotak Mahindra Bank branch to fill out the application form.

3. What are the key features of the Kotak Mojo Platinum Credit Card?
The Kotak Mojo Platinum Credit Card offers features such as accelerated reward points, airport lounge access, fuel surcharge waiver, and exclusive discounts on dining and lifestyle expenditures. Check the official website for the most up-to-date features.

4. What is the eligibility criteria for the Kotak Mojo Platinum Credit Card?
The eligibility criteria may vary, but generally, applicants need to meet certain age, income, and credit score requirements. It’s advisable to check the official website or contact Kotak Mahindra Bank for specific eligibility details.

5. How does the reward points system work on the Kotak Mojo Platinum Credit Card?
The credit card typically offers reward points for every eligible transaction. These points can be accumulated and redeemed for a variety of rewards, including merchandise, vouchers, and more. The reward structure may vary, so it’s recommended to review the terms and conditions.

6. Is there an annual fee for the Kotak Mojo Platinum Credit Card?
Credit card fees can vary, and there may be an annual fee associated with the Kotak Mojo Platinum Credit Card. Check the terms and conditions or contact Kotak Mahindra Bank for the most up-to-date fee information.

7. What benefits does the Kotak Mojo Platinum Credit Card offer for travel?
The credit card often provides travel-related benefits, such as airport lounge access, travel insurance coverage, and special discounts on hotel bookings. Refer to the official documentation or contact the bank for specific details.

8. Can I get a supplementary card for family members with the Kotak Mojo Platinum Credit Card?
Yes, many credit cards allow cardholders to request supplementary cards for family members. The supplementary cardholders may also enjoy certain benefits, but it’s essential to review the terms and conditions.

9. How can I check my Kotak Mojo Platinum Credit Card statement and make payments?
You can access your credit card statement and make payments through the Kotak Mahindra Bank online banking portal. Additionally, you may receive monthly statements via email or regular mail.

10. What should I do if my Kotak Mojo Platinum Credit Card is lost or stolen?
In case of loss or theft, it is crucial to contact Kotak Mahindra Bank’s customer service immediately. They will guide you through the process of blocking the card and issuing a replacement to prevent unauthorized transactions.