1 myCash / ₹100
Strong data Pairwise comparison
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ICICI Bank MakeMyTrip vs Kotak Mahindra Bank Mojo Platinum Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the ICICI Bank MakeMyTrip and the Kotak Mahindra Bank Mojo Platinum. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick MakeMyTrip for spending abroad and rewards.
Head-to-head
Three core metrics- Annual fee MakeMyTrip saves ₹1/yrMakeMyTrip ₹999 Waivable at ₹3,00,000 spendMojo Platinum ₹1,000 Waivable at ₹1,00,000 spend
- Forex markup MakeMyTrip saves ~₹2,510 per ₹1L abroadMakeMyTrip 0.99%Mojo Platinum 3.5%
- Domestic lounge MakeMyTrip 8/year (2 per quarter)Mojo Platinum 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
Reward earning explained
Per card1 pt / ₹100 · Up to 2.5 pts / ₹100 on online spend
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (ICICI Bank MakeMyTrip: ₹999 vs Kotak Mahindra Bank Mojo Platinum: ₹1,000), forex markup (0.99% vs 3.5%), or lounge access (8/year (2 per quarter) vs 8/year (2 per quarter)).
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Travel Insufficient data Insufficient data to compare travel
Only ICICI Bank MakeMyTrip has comparable evidence here. Forex markup is 0.99%.
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Forex markup ICICI Bank MakeMyTrip wins ICICI Bank MakeMyTrip is better for forex
ICICI Bank MakeMyTrip is stronger here. Forex markup is 0.99%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter.
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Rewards ICICI Bank MakeMyTrip wins ICICI Bank MakeMyTrip is better for rewards
ICICI Bank MakeMyTrip is stronger here. ICICI Bank MakeMyTrip conservative base value ~1% vs Kotak Mahindra Bank Mojo Platinum's ~0.2%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- MakeMyTrip ICICI Bank: ~₹500/month at base rate
- Kotak Mojo Platinum: ~₹100/month at base rate
Illustrative only, using current base rates before caps.
| Field | MakeMyTrip ICICI Bank | Mojo Platinum Kotak Mahindra Bank |
|---|---|---|
| Insurance — Air accident cover Only available for MakeMyTrip ICICI Bank | ₹1 crore | Not specified |
| Insurance — Personal accident cover Only available for MakeMyTrip ICICI Bank | ₹1 crore | Not specified |
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 8/year (2 per quarter) | 8/year (2 per quarter) |
| International lounge visits 1 per year vs Not included | 1 per year | No international lounge access |
| Forex / International Use | ||
| Forex markup 0.99% vs 3.5% | 0.99% | 3.5% |
| Fees | ||
| Recurring annual fee ₹999 vs ₹1,000 | ₹999 | ₹1,000 |
| Annual-fee waiver ₹3,00,000 vs ₹1,00,000 | ₹3,00,000 | ₹1,00,000 |
| Interest-free period Up to 48 days vs Up to 51 days | Up to 48 days | Up to 51 days |
| Monthly interest rate Only available for MakeMyTrip ICICI Bank | 3.75% / month | Not specified |
| Late-payment charge Only available for Kotak Mojo Platinum | Not specified | ₹100–₹1,200 depending on outstanding balance |
| Fuel benefit Only available for Kotak Mojo Platinum | Not specified | 1% surcharge waiver · ₹500–₹5,000 transactions · ₹3,500/year waiver cap · Fuel rewards excluded |
| Rewards | ||
| Points per ₹100 Some reward lanes are unsupported — base rate only for comparison. 1 myCash / ₹100 vs 1 pt / ₹100 | 1 myCash / ₹100 | 1 pt / ₹100 |
| Conservative base value ~1% vs ~0.2% | ~1% | ~0.2% |
| Earn ceiling Not stated vs Eligible spend capped at ₹70,000 per statement cycle | Not stated | Eligible spend capped at ₹70,000 per statement cycle |
| Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for MakeMyTrip ICICI Bank | ₹1 | Not specified |
Notes
- Kotak Mojo Platinum Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
ICICI Bank MakeMyTrip
Verify with issuer , opens external siteKotak Mahindra Bank Mojo Platinum
Verify with issuer , opens external site