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CheQ AU (LED card) vs Kotak Mojo

Compare CheQ AU (LED card) vs Kotak Mojo across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

Kotak Mojo leads on reward rate, while CheQ AU (LED card) has the lowest annual fee.

Card 1

CheQ AU (LED card)

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.2.4

Card 2

Kotak Mojo

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.3.3
CheQ AU LED card
Balanced value2.4

au / VISA

CheQ AU (LED card)

Annual

₹999

Return

1%

Lounges

2

Forex

3.49%

Card summary
  • CheQ AU (LED card) leans reward-led with ₹999 annual fee, 1% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 1% cashback keeps value easy to understand.
  • 2 lounge access adds travel utility.
Cons
  • 3.49% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Kotak Mojo
Balanced value3.3

kotak / MASTERCARD

Kotak Mojo

Annual

₹1,000

Return

2.5%

Lounges

0

Forex

3.5%

Card summary
  • Kotak Mojo leans reward-led with ₹1,000 annual fee, 2.5% headline return potential, and 0 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,000 annual fee.
  • 2.5% reward rate can outperform flat cashback for loyal users.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
CheQ AU (LED card)
Kotak Mojo
Fees
Annual fee
₹999
₹1,000
Joining fee
₹1,499
₹1,000
Rewards
Cashback rate
1%
0.75%
Reward rate
1%
2.5%
Travel
Forex markup
3.49%
3.5%
Domestic lounges
2
0
International lounges
0
0
Benefits
Fuel waiver
Yes
Yes
Dining
No
Yes
Movies
No
No
Eligibility
Minimum income
₹30,000
₹4,50,000

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