Kotak Mojo Platinum Credit Card

The benefits and characteristics that come along with the Mojo card are as follows:

1. Reward Points

• The applicant can get 2.5 Mojo points for every Rs. 100 spent online
• 1 Mojo point for every Rs. 100 on all spends
• Mojo points are valid for two years from the date of accrual
• Get 2500 Mojo Points each quarter on the spend of Rs. 75,000, which is only valid for the first year

2. Travel Benefits

• You can get a complimentary Dream Folks airport lounge visit every year inside India (for domestic and international lounges).

3. Surcharge Benefits

• There is a 1% fuel surcharge waiver applied on transactions between Rs 500 to Rs. 3,000. Although, fuel transactions will not earn you any Mojo points. 
• There is a 1.8% surcharge on www.irtc.co.in for Indian Railways Booking. 

4. Add-On Credit Cards

• The Add-on cards will have the same benefits as the primary card. 
• You can set the spending limit on the Add-On card as you desire. 
• You can track the spending of an add-on card separately. 

5. Security Feature

• The card comes with an embedded EMV Chip to add an extra level of security. 
• 6-Digit PIN authentication for higher security over transactions. 

6. Visa PayWave

• You will not have to enter your PIN on a credit card reader with this feature. It is the introduction of a fast way to pay; you can simply wave your Mojo credit card and pay for any transaction of up to Rs. 5,000 without the security PIN.
• It also reduces the risk of card theft or loss. Moreover, this payment method is supported by a large variety of security layers in case of fraudulent activities. 

7. Milestone Program

With the Mojo points you earn with every transaction, you are eligible for 2500 reward points on meeting the spend of Rs. 75,000 within a quarter. This is only valid for the first year. 

8. Annual Fees Waiver

Your annual fees can be waived with the spend of Rs. 1,00,000 in a year. 

9. Simple Payment Methods

You can simply send an SMS to 5676788, and you will be reverted to the Bank to make your monthly payments. You can even call the Bank for complimentary cheque pick up.

The main fees and charges of the card are:

The procedure to apply for the card is as follows:

Step 1: Visit https://www.kotak.com/en/personal-banking/cards/credit-cards/mojo-platinum-credit-card.html.

Step 2: Enter your personal and professional details with the required documents.

Step 3: Click on enter.

Step 4: After the application is successfully submitted, you will be acknowledged by the Bank, and the Bank will call you back for further information. 

The mandatory documents required to apply for the card are as follows:

• ID Proof: Aadhaar, Voter ID, Passport, etc.
• Address Proof: Utility bill, telephone bill, house agreement, bank statement
• Income Proof: Pay slip, ITR Receipt, Bank statement
• Age Proof: School certificate, Birth certificate, ID Card

The individuals eligible to apply for the credit card are as follows: