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Joining Fee
₹1,000 + GST
Annual Fee
₹1,000 + GST
Reward Rate
2.5 RP/₹100 online; 1 RP/₹100 offline
Lounge Access
None
Forex Markup
3.5%
Fuel Waiver
1%
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Key Features & Benefits
  • 2.5 Reward Points per ₹100 on online spends
  • 1 Reward Point per ₹100 on offline spends
  • Points redeemable for Zomato, Swiggy, Amazon vouchers
  • Annual fee waiver on ₹1.5L spend
  • 1% fuel surcharge waiver
  • Movie discounts at BookMyShow
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Welcome & Joining Benefits
  • 500 RP on first transaction within 30 days
Milestone Benefits
  • ₹1.5L annual spend → ₹1,000 fee waived
Pros & Cons

✓ Advantages

  • 2.5X on online spends — decent for entry level
  • Redeem for Zomato/Swiggy — useful for food lovers
  • Annual fee easily waived

✗ Disadvantages

  • No lounge access
  • 3.5% forex
  • 1 RP = ₹0.25 — standard
Frequently Asked Questions
Can I redeem Mojo points for food delivery?
Yes — Kotak Mojo Platinum points can be redeemed for Zomato and Swiggy vouchers, among other options like Amazon and Flipkart gift cards, via Kotak's rewards portal.
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