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Kotak Mojo Platinum vs SBI PULSE – Full comparison

Both cards verified with issuer

Kotak Mojo Platinum source SBI PULSE source

Forex costs are a key difference

Key differences

Best forex SBI PULSE 1.99%
Lowest fee Kotak Mojo Platinum ₹1,000
Best lounge SBI PULSE 16/year lounge

Spend context

At ₹50k/month spend:

  • SBI PULSE: ~₹250/month at base rate
  • Kotak Mojo Platinum: Base earn not clearly specified

Approximate, based on base rates (before caps).

Kotak Mojo Platinum KOTAK SBI PULSE SBI
Lounge Access
Domestic lounge visits
8/year vs 16/year
8/year 16/year
Forex / International Use
Forex markup
Source agreement differs — verify both.
3.5% vs 1.99%
3.5% 1.99%
Fees
Annual fee
₹1,000 vs ₹1,499
₹1,000 ₹1,499
Joining fee
₹1,000 vs ₹1,499
₹1,000 ₹1,499
Fee waiver spend
Only available for SBI PULSE
Not clearly specified ₹2,00,000
Rewards
Reward points (base spend)
8 pts/₹150 vs 2 pts/₹100
8 pts/₹150 2 pts/₹100
Point cash value
Only available for SBI PULSE
Check issuer ₹0.25

Notes

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

Data is compiled from issuer and public sources. Always verify with the issuer before applying.