About Kotak Mojo Platinum Credit Card
This card is designed for users who prefer earning reward points on every transaction, with no upper limit on point accumulation. It offers enhanced returns on online purchases along with complimentary access to domestic airport lounges, making it appealing for frequent digital shoppers and flyers.
In addition to standard fuel benefits, the card also provides savings on railway ticket bookings, which can be useful for regular domestic travellers. Limited-period milestone bonuses are available during the initial year. While reward points can be redeemed at a reasonable value, the overall return on online spending remains modest when compared to several entry-level and low-fee cashback or rewards cards available in the market.
Rewards Program
Earn reward points on every ₹100 spent with no cap on total accumulation
Get higher point earnings on online transactions
Receive standard reward points on all other eligible purchases
Reward Value
Redemption Methods
Redeem points from the issuer’s rewards catalogue
Use accumulated points to pay for eligible purchases
Adjust reward points against the card statement through customer support
Other Features & Benefits
Spend-Based Bonuses: Earn additional reward points on meeting quarterly spending targets, available only during the first year
Airport Lounge Privileges: Enjoy complimentary access to select domestic airport lounges every quarter
Fee Waiver Benefits: The joining charge is reversed on achieving the required spend within the initial months, while the annual fee is waived on crossing the yearly spending threshold
Surcharge Savings: Avail fuel surcharge refunds on eligible petrol transactions within the specified limits, along with surcharge relief on railway ticket bookings made online or at railway counters
Kotak Mojo Platinum Credit Card Reward Points & Cashback Calculator
HDFC Bank Pixel Play: Fees & Charges
Things to Know Before You Apply
This card may be suitable if:
You are looking for a simple rewards credit card that includes domestic airport lounge access
Your travel is largely limited to within India, or you already use a separate card for international spending
You are comfortable without added lifestyle perks such as movie or dining offers
Eligibility Criteria:
Applicants should be between 21 and 65 years of age
A minimum annual net income is required as per issuer norms
Only residents of India are eligible to apply
Steps to Close Kotak Mojo Platinum Credit Card
Closing your Kotak Mojo Platinum Credit Card properly ensures your account is settled and avoids any future disputes. Follow these steps carefully:
- Inform the Bank
Notify Kotak Mahindra Bank of your intention to close your Mojo Platinum Credit Card.
The best way is to submit a written request via email or post.
A written request helps the bank verify your request and serves as proof in case of future disputes.
Clear Outstanding Dues
Your card must have zero balance before closure.
Contact customer care to check for any pending dues, including purchases, EMIs, fees, or interest charges.
Pay the outstanding amount in full or in installments as convenient.
Keep records of all payments in case you need to refer to them later.
Request Written Confirmation
Once your dues are cleared, ask for a written acknowledgement from the bank stating that your card is cancelled and all payments are received.
This confirmation is essential to ensure the bank’s records match yours and protects you from future claims.
Destroy the Card
After receiving the confirmation, cut your card across the chip and magnetic strip to prevent unauthorized use.
Only after destroying the card is your cancellation fully complete.
Monitor Your Credit Score
Closing a credit card reduces your overall credit limit, which may temporarily affect your CIBIL credit score.
Check your credit report after a few weeks to confirm the card status is “closed” and review your credit utilization.
Don’t worry if your score drops slightly; managing your remaining credit responsibly will help improve it over time.
Important Tips
Always keep all payment receipts and correspondence from the bank.
Stop using the card immediately after initiating the closure request.
Closing multiple cards at once can significantly impact your credit score, so plan carefully.
Ensure you’ve transferred or updated any auto-debit instructions or subscriptions linked to the card.
Kotak Mojo Platinum Credit Card Helpline Number
If you need support for your Kotak Mojo Platinum Credit Card—including billing, payments, reporting lost or stolen cards, or closure—you can reach Kotak Mahindra Bank’s customer care team through the following channels:
📞 24×7 Toll-Free Helplines (India)
Keep your CRN, MPIN, or Debit/Credit Card PIN ready when you call for faster verification.
International Support
Digital Support via DigiSaathi
DigiSaathi is a government-backed initiative providing 24×7 support for digital payment products and services.
