Point value
Not published by issuer — varies by redemption
KOTAK VISA
Mojo Platinum
Should you get this?
Conditional fit
Why this card
- Up to 2.5 pts / ₹100 on online spend
- 2 per quarter domestic lounge.
- You spend on online shopping.
Trade-off
The annual fee (₹1,000) is waived only after ₹1,00,000 of eligible annual spend.
Annual fee ₹1,000 per year
Rewards 1 pt / ₹100
Lounge access 2 per quarter
Forex markup 3.5% high
Compare with Axis Bank IndianOil Axis Bank Premium RuPay →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1 pt / ₹100——
Online shopping2.5 pts / ₹100online only—
Annual fee break-even math
When does this card pay for itself ₹1L yearly spend to waive the annual fee
Annual fee is ₹1,000. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getNo reward on
- Fees/charges
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹1,00,000yearAnnual fee waiverreasonablestrong
Lounge access spend gate₹75,000quarterLounge eligibilityreasonablestrong
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (1 pt / ₹100). ~500 pts/month. Category and partner bonuses aren't included in this estimate.
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 2 per quarter · verified 6 Jul 2026 Condition: ₹75,000 spend in the calendar quarter
5 sources agree · verify issuer terms before applying
Where to verify
- Kotak official page
- PaisaBazaar
- BankBazaar
- Operator-verified anchor
- International (cardholder)
- Not included International details not available.
5 sources agree · verify issuer terms before applying
Where to verify
- Kotak official page
- PaisaBazaar
- BankBazaar
- Operator-verified anchor
- Guest access
- Guests: paid access
Rewards
- Base earn
- 1 points per ₹100 value depends on redemption
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹1,000
- Joining fee
- ₹1,000 · verified 4 Jul 2026
- Fee waiver spend
- ₹1,00,000 Below catalog median waiver (₹2,00,000 vs ₹1,00,000).
- Interest-free period
- Up to 51 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
2 sources agree · verify issuer terms before applying
Where to verify
- Issuer KFS Mojo Forex Snippet
- BankBazaar
- Issuer site (verify current terms) , opens external site
- Product tier
- Mid-tier
Travel & perks
Fuel Benefits
At the pumpNo verified fuel benefit available.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsSIDE BY SIDESIDE BY SIDESIDE BY SIDESIDE BY SIDE
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vs
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Kotak Mahindra Bank Mojo Platinum
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Kotak Mahindra Bank Mojo Platinum
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SBI Card PhonePe SBI SELECT BLACK
The fine print
Caps · exclusions · earning · redemption · last refreshExclusions
These spends do not earn reward points.
Other
- Fees/charges
Latest update
- Annual fee: ₹1,000.
- Forex markup currently listed at 3.5%.
- 2 per quarter domestic lounge.
Common questions
From verified card factsIs this good for lounge access?
2 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies at ₹1,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.
Learn more
Guides matched to this card — not a random syllabus.
- How reward rate works
Pts / ₹100 without the marketing fog - Billing cycle
Statement date vs due date, clearly - How interest works
The real cost of paying the minimum