Kotak Mahindra Bank offers a range of credit cards tailored to different spending needs. Two popular entry-level options—Kotak League Platinum and Kotak Mojo Platinum Credit Cards—are often compared for their fees, rewards, and perks.
While both cater to everyday users, they have important differences. This guide helps you decide whether to stick with the lifetime free League card or upgrade to the benefit-packed Mojo card, based on your lifestyle and spending patterns.
Annual Fees & Waivers
| Feature | Kotak League Platinum | Kotak Mojo Platinum |
|---|---|---|
| Annual Fee | ₹499 + GST | ₹1,000 + GST |
| Joining Fee Waiver | Not Applicable | Spend ₹30,000 in first 90 days |
| Annual Fee Waiver | Spend ₹50,000/year | Spend ₹1 lakh/year |
The League card is more affordable with easier waiver terms, while Mojo offers more benefits at a higher spending threshold.
Welcome & Milestone Benefits
- Kotak League Platinum
- 5,000 bonus reward points (₹500 value) on activation
- Spend ₹1.25 lakh in 6 months to get 10,000 points or 4 free PVR tickets
- Kotak Mojo Platinum
- No welcome bonus
- Spend ₹75,000 per quarter (first year only) to earn vouchers worth ₹2,500
The League card offers consistent long-term milestones, while Mojo rewards big spenders in the first year.
Rewards Earning Comparison
| Spend Type | League Platinum | Mojo Platinum |
|---|---|---|
| Special Categories | 8 RP/₹150 | Not Applicable |
| General Spends | 4 RP/₹150 (below ₹2L/year), 8 RP/₹150 (above ₹2L/year) | 1 Mojo Point/₹100 (offline) |
| Online Spends | Not Applicable | 2.5 Mojo Points/₹100 |
Mojo is more rewarding for online shoppers, while League suits varied spenders, especially those with high annual spends.
Reward Redemption & Value
| Feature | League Platinum | Mojo Platinum |
|---|---|---|
| Redemption Platform | Kotak Rewards | Kotak Rewards |
| Value per Point | ₹0.10 on portal, ₹0.07 for cash | ₹0.25 on portal, ₹0.20 for cash |
| Minimum Points to Redeem | 2,000 | 2,000 |
Mojo Platinum offers higher redemption value, giving better overall rewards.
Lifestyle Benefits: Lounge Access
| Feature | League Platinum | Mojo Platinum |
|---|---|---|
| Lounge Access | Not Available | 2 complimentary visits per quarter on ₹75,000+ spend in previous quarter |
Frequent domestic travelers will find more value in the Mojo Platinum.
Final Verdict: Which Card Should You Choose?
- Choose Kotak League Platinum if you:
- Want a low-cost or lifetime-free option
- Have moderate spending and prefer milestone rewards like movie tickets
- Prefer simplicity with no travel perks
- Choose Kotak Mojo Platinum if you:
- Spend mostly online
- Want higher redemption value for points
- Can meet the quarterly and annual spend thresholds
- Value perks like airport lounge access
Bottom Line:
Both cards offer good value but cater to different spending profiles. Kotak League Platinum is a budget-friendly choice with simpler milestones, while Kotak Mojo Platinum justifies its higher fee with better rewards, higher redemption value, and extra lifestyle benefits. Choose the one that best aligns with your financial habits and goals.
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