Comparing Kotak Mojo Platinum Credit Card vs Kotak Royale Signature Credit Card: Which Suits Your Needs Better?

Kotak Mahindra Bank offers a variety of credit cards tailored to meet different consumer needs, including the Kotak Mojo Platinum Credit Card and the Kotak Royale Signature Credit Card. Each card has its own set of benefits and features designed for specific customer segments. In this blog post, we will explore these two credit cards to help you determine which one aligns best with your lifestyle and spending habits.

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Kotak Mojo Platinum Credit Card: Features and Benefits


The Kotak Mojo Platinum Credit Card is aimed at individuals who want to maximize their rewards on everyday spending across a broad range of categories.

Key Benefits

  • Reward Points: Earn up to 5X reward points on every Rs. 100 spent on dining, movies, and international travel.
  • Fuel Surcharge Waiver: Receive a waiver on fuel surcharge across all petrol stations in India, which can lead to significant savings.
  • Lifestyle Benefits: Complimentary access to domestic airport lounges and discounts on dining at partnered restaurants.

Additional Perks

  • Special health and wellness benefits.
  • Balance transfer facilities at lower interest rates.
  • Easy EMI options on high-ticket purchases.

Kotak Royale Signature Credit Card: Features and Benefits


Designed for high net-worth individuals, the Kotak Royale Signature Credit Card offers premium services and superior rewards, focusing on travel and luxury experiences.

Key Benefits

  • High Reward Points: Accumulate high reward points on every spend, with double points on international expenditures.
  • Lounge Access: Unlimited access to domestic and select international airport lounges.
  • Insurance Benefits: Comprehensive travel insurance and fraud liability cover, ensuring peace of mind during travel.

Additional Perks

  • Exclusive concierge services for travel and entertainment bookings.
  • Special offers on golf access and luxury hotel stays.
  • Higher spending limits and personalized card services.

Side-by-Side Comparison

Rewards and Perks

  • Kotak Mojo Platinum Card offers versatile rewards on everyday spending but with a focus on dining, movies, and international travel. It is well-suited for those who enjoy lifestyle perks while managing everyday expenses.
  • Kotak Royale Signature Card targets elite customers, offering luxurious benefits and higher reward points, particularly on travel-related expenditures. It’s ideal for frequent travelers who appreciate luxury experiences.

Fees and Charges

  • The Kotak Mojo Platinum Card generally comes with a lower annual fee compared to the Kotak Royale Signature Card, making it more accessible for a broader customer base.
  • The Kotak Royale Signature Card, while having a higher fee, justifies this with its extensive range of high-end benefits and services.


  • The Kotak Mojo Platinum Card is best for regular earners looking for solid rewards on diverse categories.
  • The Kotak Royale Signature Card is suitable for high earners who travel frequently and prefer access to luxury perks and services.

Also Read: The Ultimate Guide to the Best Credit Card for Hotel Booking in India


Choosing between the Kotak Mojo Platinum Credit Card and the Kotak Royale Signature Credit Card depends significantly on your spending habits and lifestyle preferences. If you are someone who spends across a variety of everyday categories and values a mix of lifestyle perks, the Mojo Platinum Card would be a great fit. On the other hand, if you are a frequent traveler and enjoy luxury experiences, the Royale Signature Card offers compelling benefits that cater to a premium lifestyle.

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