Kotak Zen Signature Credit Card
Kotak Mahindra Bank Kotak Mahindra Bank

Kotak Zen Signature Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/rewards.svg Reward Points
/assest/image/icons/shopping.svg Shopping
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Joining Fee: ₹1500* Plus Applicable Taxes

Renewal Fee: ₹1500*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Reward Points Reward Points
Shopping Shopping
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Joining Fee: ₹1500* + Tax

Renewal Fee: ₹1500* + Tax

Welcome benefits:- 1,500 Zen points on joining fee payment

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About Kotak Zen Signature Credit Card

Kotak Zen Signature Credit Card is a rewards credit card that gives extra benefits on shopping. You earn more points on spends at departmental stores, apparel, jewellery, and lifestyle items. The card also gives a joining bonus of 1,500 points and milestone rewards up to 15,000 points, making it easier to get rewards faster.

Apart from shopping rewards, this card also offers travel benefits. Cardholders get access to domestic and international airport lounges, as well as fuel and railway surcharge waivers, helping save money while traveling. This makes the card suitable for people who shop regularly and also travel often, providing a mix of rewards and travel conveniences.

Kotak Zen Signature Credit Card Rewards Program

Rewards Program – Kotak Zen Signature Credit Card

  • 10 Zen Points: Earned on shopping at apparel stores, jewellery stores, lifestyle goods outlets, and departmental stores.
  • 5 Zen Points: Earned on all other spends.
  • Monthly Cap: Maximum 6,500 Zen Points per month.
  • Redemption Options: Redeem points via Kotak Rewards catalogue or using the ‘PaybyPoints’ facility at partner stores.
  • Value: 1 Zen Point = Rs. 0.20.

Other Features and Benefits

Welcome Benefit

  • 1,500 Zen Points on payment of joining fee

Milestone Bonus

  • 7,500 Zen Points on Rs. 3 lakh annual spends
  • 15,000 Zen Points on Rs. 6 lakh annual spends

Airport Lounge Access

  • Domestic: 2 complimentary visits per quarter at select DreamFolks lounges in India
  • International: 3 complimentary visits per year at Priority Pass lounges outside India (minimum 4 purchases in a year required)

Annual Fee Waiver

  • Waiver on spending Rs. 1.5 lakh annually on retail transactions

Surcharge Waivers

  • Fuel: 1% surcharge waiver, up to Rs. 3,500 per year on spends of Rs. 500–5,000
  • Railway: 1.8% waiver on IRCTC bookings and 2.5% on Indian Railways counter bookings

Fees and Charges

ParticularsAmount
ParticularsAmount
Joining FeesRs.1,500
Annual FeesRs.1,500
Condition for waiver of Joining FeesNA
Condition for waiver of Annual Fees - First YearAnnual retail Spends of Rs.1.5 lakh
Condition for waiver of Annual Fees - Second YearAnnual retail Spends of Rs.1.5 lakh
Addon card FeesRs.299
Interest Charges on outstanding Balances3.5% (Annualized 42%)
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)MAD can be 5% or 10% of TAD as decided by the Bank
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance2.5% on the advance amount (minimum of Rs.500)
Late Payment Charges ("LPC")
  1. 0 for statement below Rs.100
  2. Rs.100 for statement between Rs.100 and Rs.500
  3. Rs.500 for statement o/s between Rs.501 to Rs.5,000
  4. Rs.600 for statement o/s between Rs.5,001 to Rs.10,000
  5. Rs.800 for statement o/s between Rs.10,001 to Rs.25,000
  6. Rs.1,000 for statement o/s between Rs.25,001 to Rs.50,000
  7. Rs.1,200 for statement o/s above Rs.50,000
Over Limit ChargeRs.500
Cheque Bounce Charges2% on the bounce amount, minimum of Rs.500
Foreign Currency Mark Up3.5%

Things to Know Before you apply

Get this card if:

  • You want a rewards credit card with low spending conditions for annual fee waiver
  • You are okay with limited lifestyle benefits and mainly want rewards on shopping
  • You can make the required spends to avail milestone bonuses without overspending

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For Kotak Zen Signature Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

Kotak Zen Signature Credit Card Hilights

What do we like about this card?

  • From 1st June 2025, the following spends will not earn reward points:
    1. Utility bills above Rs. 50,000 per month
    2. Education spends above Rs. 70,000 per month
    3. Government transactions above Rs. 40,000 per month
    4. Insurance spends above Rs. 70,000 per month
    5. Wallet loads, rent, fuel, and online gaming
  • Lifetime free Zen Signature cardholders must spend at least Rs. 60,000 per quarter to get 2 free domestic lounge visits.
  • International transactions must be activated to access international lounges.
  • Railway surcharge waiver is capped at Rs. 500 per year.
  • From 1st June 2025, a 1% transaction fee will apply on:
    1. Wallet loads & online gaming above Rs. 10,000 per month
    2. Utility spends above Rs. 50,000 per month
    3. Fuel spends above Rs. 35,000 per month

Pros

  • Earn up to 10 reward points on every Rs. 150 spent
  • Complimentary domestic and international lounge access
  • Milestone bonus rewards up to 15,000 points per year
  • Low spending required to waive the annual fee

Cons

  • Limited lifestyle benefits beyond the rewards program
  • Monthly cap on reward points earnings

Kotak Mahindra Bank Credit Card Contact Details

  • Contact Address: Kotak Mahindra Bank Ltd. 27 BKC, C-27, G Block, Bandra Kurla Complex, Bandra East, Mumbai – 400051, India
    Helpline: 1860 266 2666 (available from all major cities in India)
    Simply SMS: Send KCC last 4 digits of your credit card to 5676788 to get card-related info.

Frequently Asked Questions

Everything you need to know about this credit card

No, fuel spends do not earn reward points. However, you get a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000, with a maximum waiver of Rs. 3,500 per calendar year.

Yes, to avail the railway surcharge waiver, you should make your bookings via the IRCTC website or Indian Railways counters, as applicable.

Yes, from 1st June 2025, reward points will not be earned on utility bills above Rs. 50,000 per month, education spends above Rs. 70,000 per month, government transactions above Rs. 40,000 per month, insurance spends above Rs. 70,000 per month, wallet loads, rent, fuel, and online gaming.

You must activate international transactions on your card to access international airport lounges.

Yes, cardholders with the lifetime free Zen Signature variant need to spend a minimum of Rs. 60,000 per quarter to avail 2 free domestic lounge visits.

Yes, a 1% transaction charge will apply on wallet loading and online gaming above Rs. 10,000 per month, utility spends above Rs. 50,000 per month, and fuel spends above Rs. 35,000 per month.

You can get 2 complimentary visits per quarter to select domestic lounges.

Yes, you can redeem your Zen Points for cash, airline tickets, movie tickets, mobile recharge, or branded merchandise through the Kotak Rewards catalogue.

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