- Annual fee ₹1,000 Waivable at ₹1,00,000 spend
- Forex markup 3.5%
- Domestic lounge 4/year
Pairwise comparison
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HDFC Bank Millennia vs Kotak Mahindra Bank Mojo Platinum Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Millennia and the Kotak Mahindra Bank Mojo Platinum. Verify fees, lounge access, forex markup, and base rewards before you apply.
Lounge Kotak Mahindra Bank Mojo Platinum
Quick comparison
Three core metrics- Annual fee ₹1,000 Waivable at ₹1,00,000 spend
- Forex markup Not specified
- Domestic lounge 8/year
Reward earning explained
Per card5% on Shopping + 1% on General spend
Limited data2 pts / ₹100 on General spend
Pick based on what matters
5 dimensionsStart with the constraint you care about most: annual fee (HDFC Bank Millennia: ₹1,000 vs Kotak Mahindra Bank Mojo Platinum: ₹1,000), forex markup (3.5% vs Not specified), or lounge access (4/year vs 8/year).
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Forex markup Insufficient data Insufficient data to compare forex
Only HDFC Bank Millennia has comparable evidence here. Forex markup is 3.5%.
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Lounge access Kotak Mahindra Bank Mojo Platinum wins Kotak Mahindra Bank Mojo Platinum is better for lounge access
Kotak Mahindra Bank Mojo Platinum is stronger here. Domestic lounge access is 8/year.
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Rewards Insufficient data Insufficient data to compare rewards
Only HDFC Bank Millennia has comparable evidence here. Estimated base reward value is ~1% on base spend.
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Annual fee Tie Both cards are similar for fees
Annual fee is ₹1,000.
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upi Tie Both cards are similar for UPI usage
Visa network does not support UPI payments.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Millennia: ~₹500/month at base rate
- Kotak Mojo Platinum: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | Millennia HDFC Bank | Mojo Platinum Kotak Mahindra Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 4/year vs 8/year | 4/year | 8/year |
| International lounge visits Only available for Millennia | 6/year | Not specified |
| Forex / International Use | ||
| Forex markup Kotak Mojo Platinum unclear; Millennia shows 3.5% (verify). | 3.5% | Not specified |
| Fees | ||
| Annual fee | ₹1,000 | ₹1,000 |
| Joining fee | ₹1,000 | ₹1,000 |
| Fee waiver spend | ₹1,00,000 | ₹1,00,000 |
| Rewards | ||
| Points per ₹100 1 pts vs 2 pts | 1 pts | 2 pts |
| Point cash value Only available for Millennia | ₹1 | Not specified |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.