{
  "id": "kotak-mojo-platinum-credit-card",
  "locale": "hinglish",
  "name": "Kotak Mojo Platinum Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹1,000 + GST",
  "loungeAccess": "8 Domestic Lounges / year (2/qtr)",
  "rewardsRate": "5 Mojo Points / ₹100 online (2.0%) · 8 Lounges · 10k Bonus Milestone Pts",
  "bestFor": "Online shoppers, domestic airport lounge access & ₹1 Lakh annual spend fee waiver",
  "officialLink": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/mojo-platinum-credit-card.html",
  "aiVerdict": {
    "score": 4.9,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 2,
  "affiliateId": "kotak-mojo-platinum-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/mojo-platinum-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — Mojo Platinum Credit Card schedule of charges",
    "Kotak Rewards & DreamFolks — Mojo points and lounge access terms"
  ],
  "feeWaiver": "Saal mein ₹1,00,000 retail spend karne par annual fee waived",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Online Spends",
      "value": "5 Mojo Pts / ₹100 (2%)"
    },
    {
      "key": "Domestic Lounge",
      "value": "8 visits / year (2/qtr)"
    },
    {
      "key": "Annual Fee",
      "value": "₹1,000 + GST"
    },
    {
      "key": "Fee Waiver",
      "value": "₹1,00,000 / year"
    },
    {
      "key": "Quarterly Milestone",
      "value": "2,500 Bonus Mojo Pts"
    },
    {
      "key": "Point Value",
      "value": "1 Mojo Pt = ₹0.40 flight"
    }
  ],
  "earnRates": [
    {
      "category": "All Online E-Commerce Spends",
      "rate": "2.0% (5 Mojo / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,000 Mojo Pts (₹2,000 flight value)"
    },
    {
      "category": "All Other Offline Spends",
      "rate": "1.0% (2.5 Mojo / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,500 Mojo Pts (₹1,000 flight value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Mojo Pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Quarterly Spend Milestone (₹1 Lakh spend)",
      "multiplier": "Milestone",
      "rate": "2,500 Bonus Mojo Pts",
      "monthlyCap": "2,500 pts / qtr",
      "dailyCap": "—",
      "note": "Worth ₹1,000 per quarter (10k pts/yr = ₹4,000)."
    },
    {
      "channel": "Online Retail Spends",
      "multiplier": "2×",
      "rate": "2.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "5 Mojo points per ₹100 spent."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Flight & Hotel Bookings",
      "value": "₹0.40 / Mojo Pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Credit (Cashback)",
      "value": "₹0.25 / Mojo Pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹500–₹3,000).",
    "Wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,000 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,000 + GST (Waived at ₹1,00,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹40,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹5.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}