The Kotak Mojo Platinum Credit Card is tailored for consumers seeking enhanced reward points from online transactions. The card provides 2.5X rewards on online expenditures, positioning it as an attractive choice for e-commerce activities. Benefits include lounge access, a fuel surcharge waiver, and milestone rewards, making it ideal for those at the beginning of their credit card journey and aiming for considerable value on online buys.

Customers can effortlessly check for pre-approved credit cards from over 50 leading banks. The process is entirely digital, requiring users to simply enter their mobile number and agree to the usage terms and policy to discover exclusive card options tailored for them.

Key highlights of the Kotak Mojo Platinum Credit Card encompass:

• Optimal for online shopping with rewards
• A joining fee of Rs. 1,000 waived with Rs. 30,000 spend within 90 days
• A yearly fee of Rs. 1,000 waived upon Rs. 1 lakh spend in the prior year
• Minimum salary requirement of Rs. 4 lakh annually
• Premium benefit: 2.5 Mojo points per Rs. 100 on online spending
• Rated ★★★ (3/5) by Paisabazaar

This rewards credit card boasts advantages across sectors like travel, lifestyle, and fuel. Cardholders earn heightened reward points on online purchases:

2.5X Reward Points on Online Spends:

• 5 Mojo points per Rs. 100 for online purchases
• 1 Mojo point per Rs. 100 for other spends

Key notes:

• No upper limit on reward points earned
• Mojo points expire two years after accumulation
• Fuel and cash withdrawals earn no Mojo points

Reward Points Redemption:

• Redeem Mojo points on shopping, mobile recharge, e-vouchers, and rewards catalog products
• Each Mojo point equals Re. 0.40 for credit card statement redemption; 2,500 Mojo points minimum required for redemption
• Other categories can redeem Mojo points at a rate of 1 point = Re. 0.25

The card also includes a milestone benefit equating to Rs. 1,000, with bonus Mojo points upon reaching spending goals.

Cardholders receive 8 complimentary airport lounge visits in India annually. Fuel purchases at Indian petrol stations qualify for a 1% surcharge waiver on transactions between Rs. 500 and Rs. 3,000, alongside a railway surcharge waiver of up to 2.5% on IRCTC and Indian Railways bookings.

Kotak Mojo Platinum credit card fees and charges include a joining fee of Rs. 1,000, waived on a Rs. 30,000 spend in the initial 90 days. The annual fee of Rs. 1,000 is nullified with Rs. 1 lakh spend annually. Finance charges are pegged at 3.5% monthly, with late payment fees varying based on the statement sum.

Eligibility requires applicants to be aged 21-65, salaried or self-employed, with a minimum income of Rs. 4 lakh per annum. Documentation details are accessible on the Kotak official site. Covered cities include Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (with Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune.

Summarizing its features, the Kotak Mojo Platinum Credit Card fits individuals who frequently engage in online shopping, manage annual expenses of Rs. 1 lakh, and value versatile reward points over cashbacks.

Alternative credit card options for good rewards include the HDFC MoneyBack+ Credit Card, American Express SmartEarn™ Credit Card, Standard Chartered Platinum Rewards Credit Card, SBI Card Prime, and HDFC Regalia Credit Card, each offering unique perks for various purchases.

Conclusively, the Kotak Mojo Platinum Credit Card serves as a robust option for maximizing online spends while enjoying added privileges.