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Kotak MOJO credit card

Kotak Mahindra Bank

Kotak MOJO Credit Card

Best for online-shopping, lifetime-free

Lifetime free · 2x rewards

Mastercard Lifetime free

By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review

Annual fee

Lifetime free

Reward rate

2x

Min. income

₹2,00,000

Forex markup

Not published

Lounge access

Domestic + international

Eligibility

₹0.20 lakh/yr · CIBIL 650+

Reward cap

Cap on accelerated category

Welcome benefit

Movie/dining vouchers

Who is this for

  • Online shopper
  • Fee-averse spender

What we like

  • Unlimited international lounge access
  • Milestone vouchers or extras

Watch out for

  • 2.5% cash-advance fee

Issuer

Bank

Kotak Mahindra Bank

Private sector bank

All Kotak Mahindra Bank cards →

Headquarters

Mumbai, Maharashtra

Established 2003

Toll-free

1800-266-2666

Website

www.kotak.com

Network

Mastercard

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹0 Not waivable
Annual fee ₹0 Lifetime free
Forex markup Not published Not waivable
Late payment ₹500 Not waivable
Cash advance 2.5% of amount Not waivable
Fuel surcharge 1% 1% waiver on eligible fuel transactions (band per issuer schedule)

Rewards

Spend category Rate Cap Redemption
All spends 1 RP per ₹100; 5x on travel/dining via MOJO portal Cap on accelerated category 1 RP = ₹0.20
ONLINE 2.00 ₹2,000/month 0.25

Benefits

  • Domestic lounge access

    None

  • International lounge access Highlight

    None

  • Milestone benefits Highlight

    Movie/dining vouchers

  • Fuel surcharge waiver

    1% waiver

Eligibility

Age
21–65 years
Min. income
₹20,000
Min. credit score
650+
Employment
Salaried, self-employed, student
Documents
PAN, Aadhaar, income proof

Kotak MOJO Credit Card is a MASTERCARD credit card from Kotak Mahindra Bank. It is best suited for online-shopping, lifetime-free.

Fees and rewards

  • Annual fee: Nil
  • Joining fee: Nil
  • Rewards: 2X rewards on online spends

Eligibility

PAN, Aadhaar, income proof

Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.

Apply for Kotak MOJO Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

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Frequently asked questions

Is the Kotak MOJO Credit Card worth it?
Kotak MOJO Credit Card is a credit card issued by Kotak Mahindra Bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the Kotak MOJO Credit Card?
Kotak MOJO Credit Card is a lifetime-free card with no annual or joining fee.

How does the Kotak MOJO Credit Card reward rate work?
Kotak MOJO Credit Card earns 2x base reward rate on all spends. Each card's rewards tile on this page shows the category-wise multipliers and any monthly or yearly caps.
Show 3 more questions

What are the eligibility requirements for the Kotak MOJO Credit Card?
To qualify for Kotak MOJO Credit Card, you typically need: minimum annual income ₹20,000; CIBIL score of 650+; Salaried / self-employed / student only. The eligibility tile on this page has the full published criteria.

Does the Kotak MOJO Credit Card offer airport lounge access?
None

What is the forex markup on the Kotak MOJO Credit Card?
Forex markup details for Kotak MOJO Credit Card are not published on FinWiz24.

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