Which card has a lower forex fee: HDFC MoneyBack Plus Credit Card or Kotak Mojo Platinum Credit Card?

Forex markup is not fully available for both cards in the current snapshot.

Which card has a lower annual fee: HDFC MoneyBack Plus Credit Card or Kotak Mojo Platinum Credit Card?

HDFC MoneyBack Plus Credit Card has a lower annual fee (₹500 vs ₹1,000).

Which card offers better lounge access?

HDFC MoneyBack Plus Credit Card: No domestic lounge. Kotak Mojo Platinum Credit Card: 8/year domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Add another card →

HDFC Bank MoneyBack Plus vs Kotak Mahindra Bank Mojo Platinum Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank MoneyBack Plus 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 Low fee HDFC Bank MoneyBack Plus

Quick comparison

Three core metrics

MoneyBack Plus HDFC Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge No lounge access

Mojo Platinum Kotak Mahindra Bank

Annual fee ₹1,000 Waivable at ₹1,00,000 spend
Forex markup Not specified
Domestic lounge 8/year

Reward earning explained

Per card

MoneyBack Plus

2 pts / ₹150 on General spend

Mojo Platinum

2 pts / ₹100 on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank MoneyBack Plus: ₹500 vs Kotak Mahindra Bank Mojo Platinum: ₹1,000), forex markup (3.5% vs Not specified), or lounge access (No lounge access vs 8/year).

Forex markup Insufficient data

Insufficient data to compare forex

Only HDFC Bank MoneyBack Plus has comparable evidence here. Forex markup is 3.5%.

MoneyBack Plus: Limited data
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.

MoneyBack Plus: Limited data Mojo Platinum: Limited data
Annual fee HDFC Bank MoneyBack Plus wins

HDFC Bank MoneyBack Plus is better for fees

HDFC Bank MoneyBack Plus is stronger here. HDFC Bank MoneyBack Plus has a lower annual fee (₹500 vs ₹1,000).

MoneyBack Plus: Limited data Mojo Platinum: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

MoneyBack Plus: ~₹170/month at base rate
Kotak Mojo Platinum: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	MoneyBack Plus HDFC Bank	Mojo Platinum Kotak Mahindra Bank
Lounge Access
Domestic lounge visits No lounge access vs 8/year	No lounge access	8/year
Forex / International Use
Forex markup Kotak Mojo Platinum unclear; MoneyBack Plus shows 3.5% (verify).	3.5%	Not specified
Fees
Annual fee ₹500 vs ₹1,000	₹500	₹1,000
Joining fee ₹500 vs ₹1,000	₹500	₹1,000
Fee waiver spend Only available for Kotak Mojo Platinum	Not specified	₹1,00,000
Rewards
Reward points (base spend) 2 pts/₹150 vs 2 pts/₹100	2 pts/₹150	2 pts/₹100
Point cash value Only available for MoneyBack Plus	₹0.25	Not specified

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.