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Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.
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Among the new credit cards launched in the market is the Kotak Mojo Credit Card. With this card, every swipe is worth it. You can earn Mojo reward points for every purchase made with the card. The Kotak Mojo Credit Card benefits you in more ways than one. You can redeem the reward points received using the card across travel, lounge access, fuel, railways, and many more.
What are Mojo Points?
Mojo Points are credited with every purchase made on the card. Customers can shop more and earn more Mojo Points.
Frequent KayMall shoppers benefit the most from the card. The validity of Mojo Points is for two years.
Redemption of Mojo Points
Perks and Privileges of Mojo Platinum Card
Avail Airport Lounge Access at zero cost
With this card, you get eight complimentary airport lounge visits annually (2 visits quarterly). Availability of lounge facility is across 27 outlets in India. The lounge access is available for both domestic and international airport terminals.
Waivers
Joining Fees Waiver
The membership fee of Rs. 1,000 is waived within 90 to 120 days from the date of issue of the card.
Please Note: The waiver is applicable with retail spending of Rs. 30,000 within the first 90 days of issuance of the card.
Annual Fees Waiver
The annual fees of Rs. 1,000 are waived off on annual spending of Rs. 1 lakh.
Please Note: The annual fee waiver is applicable during the first and second year only.
Fuel Surcharge Waiver
Fuel expenditure is not eligible for Mojo Points. Instead, every fuel transaction in the range of Rs. 500 to Rs. 3,000 permits a 1% fuel surcharge waiver.
The maximum fuel overcharge waiver permissible is Rs. 3,500. Please note that this is applicable only in an anniversary year.
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Railway Surcharge Waiver
The railway transactions made through the IRCTC website attract a railway surcharge waiver of 1.8%. The bookings at railway reservation counters allow a 2.5 % railway surcharge waiver.
The maximum railway overcharge waiver permissible is 500 bucks. Please note that this is applicable only in an anniversary year.
Who Can Apply For A Mojo Platinum Credit Card?
To own a Mojo credit card online, you must fulfil the below-mentioned criteria:
Applicants for add-on cards must be at least 18 years old.
How To Apply For Kotak Mojo Platinum Card?
To apply for a Kotak Mojo platinum card, you must visit the website and fill out the online application form. Also, you can visit the nearest branch.
How to get an add-on card?
Kotak Mojo Credit Card allows you to share the card's benefits with your family members. The provisions of the add-on card are along the following lines:
There are three ways to apply for an add-on card at a minimal fee of Rs. 299.
Follow the steps for credit card application through net banking:
Why pick Kotak Mojo Credit Card?
Though numerous credit cards are at our disposal, Kotak Mojo Credit Card stands out in the crowd. It is a prime credit card which comes with more facilities. Moreover, it offers numerous tangible benefits. Let us look at the bells and whistles of the card.
Milestone Gifts
Kotak Mojo Credit Card offers reward points for reaching a quarterly milestone of Rs. 75,000. Apart from earning Mojo points, one can also garner 2500 reward points. It indeed is like a cherry on top.
The milestone points are accredited within 45 days from the conclusion of each quarter. However, this offer is pertinent only for the first year.
Priority Customer Service
With Kotak Mojo Credit Card, customer satisfaction becomes paramount. A complimentary cheque pickup facility on call is available. Furthermore, the payment of monthly dues is effortless. The SMS facility provides a call back within 2 hours. It is right to say that the customer's time is of utmost value.
Safety Comes First
The 6-digit PIN authentication and an embedded EMV chip ensure additional layers of security. With Kotak Mojo Credit Card, transactions are secure. Moreover, in case of theft or misplacement, deactivation/blocking of the card is just a call away.
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Insurance Benefits
The bank provides insurance coverage of Rs. 1.25 lakhs against loss or theft of the card.
Points to Note:
Visa paywave allows contactless payments up to Rs 5,000.
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