Kotak Mojo Platinum Credit Card (existing holders)
Existing holders only: 2.5 Mojo points per ₹100 online, 1 per ₹100 elsewhere, at ₹0.20 cash value each.
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Kotak marks Mojo Platinum discontinued for new applications. For existing holders, the issuer lists 2.5 Mojo points per complete ₹100 online and 1 per ₹100 on other eligible purchases. The calculator rounds down fractional points on each modeled monthly transaction. The June 2025 redemption update ended an old ₹0.40/point call-centre route and now gives ₹0.20 per point statement value with a 2,000-point cash redemption minimum; other reward choices may give ₹0.25, not assumed. Twelve equal monthly purchases below 2,000 projected points score zero usable one-year cash value, but points may carry into later years or be used differently. Fuel, wallets, rent and skill gaming earn no points; education, insurance, utilities and government have statement-cycle caps and are not modeled on generic routes. Kotak lists ₹1,000 joining and annual fees, a first-year joining waiver after ₹30,000 retail spend in 90 days and annual fee waiver after ₹1 lakh yearly retail spend. We deduct one ₹1,000 plus estimated GST recurring annual fee without assuming waiver. The separate joining fee, first-year quarterly milestone points, lounge and fuel surcharge value are not included. Confirm current merchant classification and redemption terms.
Issuer terms
Kotak Mojo earn, exclusions and discontinued status · Kotak June 2025 cash point value and minimum · Kotak fees and waiver
Terms checked 29 September 2026. Compare your actual merchant, statement fee and redemption options.