Hot Deal

Kotak bank launch 'Mojo' RuPay JCB UPI Credit card

Finance Ninja

Kotak bank launch 'Mojo' RuPay JCB UPI Credit card:

Note - Once I get the physical card image I will share it.


Mojo Platinum Credit card

Say hello to your new best friend - Kotak Mojo Platinum Credit Card!
It is designed to make all your spends more rewarding with features that will Raise.Your.Life.Game.

Choice on rewards

Earn Mojo points on spends done against every Rs. 100

Airport Lounge access

Enjoy Airport Lounge Access, Gourmet meals and much more

Fuel Surcharge waiver

We offer Fuel surcharge waiver upto Rs. 3500 annually

Annual Fees waiver

Get Annual Fees waiver at Rs. 1,00,000 spent with your Credit card

No transaction fees on savings account
Joining Fees Waiver

Get Joining Fees waiver at Rs. 30,000 spent in 90 days with your Credit card

Mojo points
  • Earn unlimited 2.5 Mojo points for every Rs. 100 on online spends.
  • Earn unlimited 1 Mojo point for every Rs. 100 on all other spends.
  • Mojo points are valid for 2 year from the date of accrual

Shop more and earn more Mojo Points

  • The Mojo Platinum Credit Card will nurture the shopaholic in you.
  • On online spends you earn 2.5 Mojo points for every Rs. 100
  • On all other retail spends earn 1 Mojo points for every Rs. 100 – except on fuel & cash withdrawal

Milestone Gift

  • Get 2500* Mojo points every quarter on spending Rs. 75,000. Valid for the first year only.
  • For more details check out the Milestone tab. Click here

Annual Travel Benefits

Complimentary Airport Lounge Access

  • Get 8 complimentary Dream Folks Airport Lounge visits annually within India (Domestic and International terminals). 2 visits per quarter
  • For more details, click here

Joining Fees waiver

  • Get your Joining fees of Rs. 1,000 waived on spending Rs.30,000* in the first 90 days after card issuance.
  • Also selected user get First year free card.

All eligible customers will receive joining fee waiver within 90-120 days from after card issuance

Annual Fees waiver

  • Get your annual fees waived on spending Rs. 1 lakh annually.

Fuel Surcharge Waiver

  • The 1% fuel surcharge waiver is applicable on transactions that range between Rs.500 and Rs.3,000. Avail of a maximum fuel surcharge waiver of Rs.3,500 in each anniversary year. Fuel transactions are not eligible to earn any Mojo points.

Railway Surcharge Waiver

  • Save railway surcharge of 1.8% for transactions on and 2.5% for transactions on Indian Railways Booking Counters.

    The maximum railway surcharge waiver that is allowed in a anniversary year is Rs.500/-.

Priority attend

  • We value your time. Instead of you trying to reach us, we will reach you.
  • SMS "KASSIST" to 5676788 and we will call back within two hours
  • We make it easy for you to pay your monthly dues.
  • Call for complimentary cheque pickup

Add-on Card

  • Your Add-on Card will have all the benefits that you enjoy on your credit card
  • Set the spend limit on your Add-on Card as you desire
  • Track spends separately for each of your Add-on Card(s)
  • Click here to apply now for an Add-on Card for a small fees of Rs. 299 only.

Safety features

  • Embedded EMV Chip lends an additional level of security
  • 6-digit PIN authentication for higher security of your transactions
Milestone Program

Addition to the Mojo points that you will earn on every transaction, you can also be eligible for 2500 reward points on meeting the below spends criteria. This is a quarterly milestone and applicable for the first year only

Milestone Reward Points Period
Spend Rs. 75,000 2500 Quarterly( for the 1st year only)

Customers who transact Rs. 75,000 or more during every quarter will receive Reward Points within 45 days from quarter ending.

For milestone benefit, transaction which is settled during milestone period will be considered. Example- Milestone period is 1st April 2020 to 30th June 2020, then the transactions settled till 30th June will be considered for milestone benefits

Value Chart

Mojo Platinum Credit Card – Value Chart

Annual Spends


Net annual value to cardholder



Joining fees waiver benefit


Annual fees waiver benefit


Domestic Lounge access


Value of Quarterly Milestone for the first year


Fuel surcharge waiver annual benefit


Rewards Benefit (Total of the below )


· Mojo points value on other online spends (No Capping)



· Mojo points value on all other spends (No Capping)



Annual fees can be waived on annual spends of Rs. 1 lakh.
* Joining fees can be waived on spending Rs. 30,000 in first 90 days.
***The above calculations are derived on customer doing, 56% on other online spends & 44% on all other spends.
Redemption value of 1 Mojo point = 0.40p (if redeemed via Call Centre request).

Rewards Redemption
  • Kotak Rewards:
    • Introducing Kotak Rewards - your new point redemption currency that simplifies managing rewards points on your Kotak credit cards. Redeem your points across a variety of categories like Mobile Recharge, Shopping across 10,000 products, E-vouchers across various brands, Movies (BookMyShow Vouchers), Travel and many more! T&C Apply. Redeem Now
  • Pay with Reward Points:
    • Pay without cash. Pay without card. Know More
  • You can also redeem each Mojo point at a value of Re. 0.40p against your outstanding statement by calling our customer contact centre and raising a service request for the same. Minimum 2500 Mojo points are required for redemption through customer contact centre
  • For all other channels/modes of redemption, 1 Mojo point = Rs. 0.25
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.

Deal Wiki

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Deal Newbie Deal Newbie
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Can we use for normal UPI payments 

Finance Ninja Finance Ninja
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Normal UPI payments means ?

You can pay to any merchant online or offline via UPI.

Deal Newbie Deal Newbie
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Is kotak issuing 2nd credit card also?

Finance Ninja Finance Ninja
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Few lucky user got 2nd kotak credit card or you can apply from any other mobile number.
Post Mogul Post Mogul
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Join renewal fee kills the deal

Community Angel Community Angel
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Kinda useless due to the charges, and absence of any kind of decent reward scheme. If one already has a kotak LTF card for bank offers, there is no need to get this one. 

Deal Cadet Deal Cadet
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Interesting thing happened with me

so i have applied for kotak myntra cc on 31st may & rejected on the next day and the same application number is in processing on 26th june and card dispatched on 27th and now received mastercard but not rupay (no call, nothing, got the tracking number of the card via mail)

(existing card league visa | limit might be shared)

anything like this happened to anyone?

another application (different account with league visa CC) applied for myntra CC on june 5 and rejected, now again shows as processing on 26th, if approved maybe it will be mastercard only

in between of dates june 5 to june 23 kotak customer care called me and said i'm eligible for mojo card with fees but i have league LTF so i said no.

maybe kotak don't want to give rupay to existing customers, also they say cannot convert my visa to rupay card, need to cancel and re apply again.

Finance Ninja Finance Ninja
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I heard Myntra card is currently available on mastercard network. RuPay network is not live yet but will soon live.

Some existing customers or some league to mojo card upgrade user got RuPay.

I think currently new apply user or upgrade user got league, mojo and Urbane got RuPay variant.

You can upgrade or downgrade your card and ask for RuPay variant.

Another card IOCL also available on RuPay.
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Deal Subedar Deal Subedar
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@abhishek012  existing mojo VISA LTF can get convert to Rupay LTF??? AT KOTAK

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Finance Ninja Finance Ninja
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Kotak bank 'Mojo' Rupay Platinum Physical Credit Card -


Deal Lieutenant Deal Lieutenant
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Called customer care and even had talk with them on chat. And both were telling that MOJO is not on rupay network. Only iocl is there. When I told my friend received he was adamant that it is not possible.

How to apply for this, even on application page image shows visa only. Is there any option to choose while applying?

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Deal Subedar Deal Subedar
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1 mojo points equal to 40 paisa effectively 1% cashback
Like Magnet Like Magnet
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I got mojo visa platinum card

Avant Garde Avant Garde
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Off topic;

I applied for au sfb digital account and vkyc was approved and agent told that welcome kit with card will be delivered in 15 days ....

My question is do I have to load any money for card charge deduction before or after receipt of card?.


Finance Ninja Finance Ninja
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Add Rs180 to your bank account and then card will dispatched.
Spearhead Spearhead
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Can anyone give me refferal for kotak

Helpful Helpful
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Myntra or mojo which one is best for UPI? Then again no guarantee to receive rupay varient

Finance Ninja Finance Ninja
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Myntra RuPay is not live yet.

Currently, 99% user got RuPay variant on League and Mojo card.
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Helpful Helpful
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I want to apply but afraid of getting visa varient .
@abhishek012 incase I get visa varient, if I don't activate it it will automatically cancel, right?

Or should I wait for mytra rupay?

Finance Ninja Finance Ninja
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99% chance you will get Mojo RuPay variant.

My card is already showing in my Kotak app, no activation option. i just enabled ecom/pos.

Dnt know when Myntra RuPay will live.
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Helpful Helpful
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Just called kotak cc they are offering mojo in rupay now .

And talked about Myntra rupay but she said Myntra rupay can be issued but UPI facility not available right now later will be updated .
Now I'm thinking should I get mojo or Myntra?

Finance Ninja Finance Ninja
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Kotak RuPay UPI is already live, i think Myntra RuPay UPI will also work.
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Helpful Helpful
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My application got approved yet to know if it's rupay or visa varient Screenshot20230808152207
Helpful Helpful
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Guess what, got visa varient rage

Finance Ninja Finance Ninja
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2nd Kotak credit card or new kotak CC user and do you have kotak bank account ?
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Deal Lieutenant Deal Lieutenant
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Received my mojo rupay card. Applied through https://cards.kota...m/ . Already holding savings account and kotak league visa. No cibil hit or documents. card generated within 48 hours and received physical on 3rd day.

Deal Newbie Deal Newbie
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new  credit  card apply ji

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