Kotak Mojo Credit Card
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Community Consensus
Consensus Note: Kotak Mojo Credit Card issued by Kotak Mahindra Bank remains a flagship choice for Historical reference only — card has been discontinued and superseded by Kotak Mojo Platinum. Verified user discussions highlight strong yields on spending thresholds.
At-A-Glance Quick Facts
AI Verdict CredSutra Engine
Synthesized objective algorithmic score
The Kotak Mojo Credit Card issued by Kotak Mahindra Bank offers competitive value for Historical reference only — card has been discontinued and superseded by Kotak Mojo Platinum. Audit your monthly spending against its ₹1,000 + GST (Card DISCONTINUED for new applications — see Mojo Platinum) fee structure.
Key Trade-offs & Considerations
- ⚡ Annual fee of ₹1,000 + GST (Card DISCONTINUED for new applications — see Mojo Platinum)
- ⚡ Lounge access policy: None
- ⚡ Reward rate: 1% - 1.5% reward points (1 RP/₹100 offline, 1.5 RP/₹100 online)
Key Benefits & Characteristics
Category Rewards Multiplier Matrix
| Spend Category | Earning Multiplier / Return Rate |
|---|---|
| flight Travel & Flights | 2% to 5% points |
| shopping_cart Online Shopping & SaaS | 1% to 5% cashback |
| storefront Offline Retail Stores | 1% reward points |
| account_balance Government & Tax Pay | 0.5% (Caps apply) |
| house Rent & Wallet Loads | Excluded / 1% surcharge |
receipt_long Fee & Surcharge Breakdown
Detailed Analysis & Review
Community Verdict
[!NOTE] Our Take: The Kotak Mojo Credit Card is the original entry-level Visa that Kotak has since retired in favour of the upgraded Kotak Mojo Platinum Credit Card. The legacy positioning was simple — 1 RP per ₹100 offline and 1.5 RP per ₹100 online, with cash redemption at ₹0.25 per point and a ₹1,000 joining/annual fee. The card carried no airport-lounge access, no milestone benefits, and a sub-par base earn rate for an entry-level Visa. As of July 2026 the original Mojo product page returns 404 — the live Kotak listing only markets Mojo Platinum, which added 8 complimentary domestic lounge visits per year and a 2.5 Mojo Point per ₹100 online accelerator. New applicants should apply for the Mojo Platinum SKU directly; existing Mojo cardholders retain their benefits but should consider upgrading for the lounge and milestone perks.
[!IMPORTANT] Card Status Update (July 2026): Kotak Mahindra Bank has discontinued sourcing of the original Mojo Credit Card. The product page now redirects to the Mojo Platinum page. The information below reflects the documented benefit structure from the original Mojo card’s active period and is preserved here for reference and for existing cardholders.
Pros
- Cash Redemption at ₹0.25/RP: Higher cash value than most Kotak Rewards entries (which sit at ₹0.10/RP on vouchers) — but only available on the legacy Mojo’s redemption catalogue.
- Simple Flat-Reward Structure: 1 RP per ₹100 offline and 1.5 RP per ₹100 online — predictable returns with no rotating calendar.
- Visa Acceptance: Runs on Visa rails, accepted across the vast majority of offline and online merchants in India.
- ₹50,000 Fraud Liability Cover: Lost or stolen card fraud protection up to ₹50,000.
- Emergency Card Replacement: Replacement card delivered for lost/stolen primary cards.
Cons
- DISCONTINUED for New Applications: As of July 2026, Kotak has stopped sourcing new applications — the product page returns 404.
- Base Reward Only 1%: 1 RP per ₹100 on offline spends is below the 1.5%-2% base earned on most entry-level Visa cards today.
- No Airport Lounge Access: Zero domestic or international lounge visits — superseded by Mojo Platinum’s 8/year benefit.
- No Milestone Benefits: No quarterly or annual milestone perks on the legacy Mojo — Mojo Platinum added a 2,500 Mojo Point quarterly milestone (first year only).
- Cash Redemption at ₹0.25/RP is Below Standard: While higher than voucher-route redemption on most cards, cash value is below ₹0.30/RP on HDFC Infinia.
- Fuel and Cash-Withdrawal Excluded: No reward points on fuel transactions or ATM cash advances.
- ₹99 Redemption Fee: Every redemption request carries a ₹99 + GST charge.
- No Spend-Based Fee Waiver Documented: The ₹1,000 annual fee has no publicly documented spend-based waiver on the legacy SKU.
Reward Spends & Categories
The Kotak Mojo Credit Card delivered a reward yield of 1% - 1.5% reward points on retail spends:
| Category Spend | Earning Rate / Reward Points |
|---|---|
| 🛍️ Online Shopping | 1.5 Reward Points per ₹100 (1.5% return) |
| 🛒 Offline / Retail Spends | 1 Reward Point per ₹100 (1% return) |
| ✈️ Flights & Hotels | 1 Reward Point per ₹100 (1% return) |
| 🍽️ Dining | 1 Reward Point per ₹100 (1% return) |
| ⛽ Fuel Transactions | 0 Reward Points (No documented earn) |
| 🏛️ Government Spends | 0 Reward Points (Excluded) |
| 🏠 Rent Payments | 0 Reward Points (Rent MCC excluded) |
| 💳 Wallet Loads | 0 Reward Points (Not eligible) |
| 💵 Cash Withdrawal | 0 Reward Points (Excluded) |
Reward Point Redemption Value
Redemption channels on the legacy Mojo delivered a flat value across categories:
- Cash / Statement Credit: 1 Point = ₹0.25
- Air Tickets / Movie Tickets / Mobile Recharge / Cash Vouchers / Gift Vouchers: 1 Point = ₹0.25
[!IMPORTANT] A redemption fee of ₹99 + GST is charged per redemption request. Reward Points were valid for 36 months from accrual.
Airport Lounge & Travel Perks
This card offered: None.
The legacy Mojo did not include any complimentary airport-lounge access. If you are an existing cardholder seeking lounge benefits, request an upgrade to the Kotak Mojo Platinum Credit Card — which now includes 8 complimentary domestic lounge visits per year (2 per quarter).
Annual Fees & Charges
- Joining Fee: ₹1,000 + GST
- Annual Fee: ₹1,000 + GST
- Renewal Fee: ₹1,000 + GST
- Forex Markup: 3.5% per foreign currency transaction
- Cash Withdrawal Fee: ₹500 per cash advance; 3.5% per month interest
- Card Replacement Fee: ₹100
- Reward Redemption Fee: ₹99 + GST per redemption request
- Add-on Card Fee: ₹299 per add-on card
- Statement Retrieval Fee: ₹0
- Duplicate PIN Fee: ₹0
Data Verification
- Verification Tier: ARCHIVED_DATA (Card discontinued; data reflects active-period benefits)
- Editorial Feeds: Kotak Mojo Platinum page (kotak.bank.in, July 2026 — successor SKU), Finology Select
- Last Status Update: 2026-07-04
For official terms, interest rates, and applications, refer to the Bank Reference Page for the live Mojo Platinum successor.
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