SBI IRCTC Platinum vs Kotak Mojo

Compare SBI IRCTC Platinum 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 SBI IRCTC Platinum has the lowest annual fee.

Card 1

SBI IRCTC Platinum

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.3.4

Card 2

Kotak Mojo

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.3.3

Balanced value3.4

sbi / VISA

SBI IRCTC Platinum

Annual

₹499

Return

Lounges

Forex

3.5%

Card summary

SBI IRCTC Platinum leans travel and lifestyle with ₹499 annual fee, 2% headline return potential, and 2 lounge access.

Pros

Strong benefit ceiling if you recover the ₹499 annual fee.
2% reward rate can outperform flat cashback for loyal users.
2 lounge access adds travel utility.

Cons

3.5% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

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

Full card details

Balanced value3.3

kotak / MASTERCARD

Kotak Mojo

Annual

₹1,000

Return

2.5%

Lounges

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

SBI IRCTC Platinum

Kotak Mojo

Fees

Annual fee

₹499

₹1,000

Joining fee

₹499

₹1,000

Rewards

Cashback rate

0.75%

Reward rate

2.5%

Travel

Forex markup

3.5%

Domestic lounges

International lounges

Benefits

Fuel waiver

Yes

Dining

Yes

Movies

Eligibility

Minimum income

₹2,00,000

₹4,50,000

SBI IRCTC Platinum vs Kotak Mojo

Futuristic side-by-side card intelligence

SBI IRCTC Platinum

Kotak Mojo

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