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
| Particulars | Amount |
|---|
| Particulars | Amount |
| Joining Fees | Rs.1,500 |
| Annual Fees | Rs.1,500 |
| Condition for waiver of Joining Fees | NA |
| Condition for waiver of Annual Fees - First Year | Annual retail Spends of Rs.1.5 lakh |
| Condition for waiver of Annual Fees - Second Year | Annual retail Spends of Rs.1.5 lakh |
| Addon card Fees | Rs.299 |
| Interest Charges on outstanding Balances | 3.5% (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 Advance | 2.5% on the advance amount (minimum of Rs.500) |
| Late Payment Charges ("LPC") | - 0 for statement below Rs.100
- Rs.100 for statement between Rs.100 and Rs.500
- Rs.500 for statement o/s between Rs.501 to Rs.5,000
- Rs.600 for statement o/s between Rs.5,001 to Rs.10,000
- Rs.800 for statement o/s between Rs.10,001 to Rs.25,000
- Rs.1,000 for statement o/s between Rs.25,001 to Rs.50,000
- Rs.1,200 for statement o/s above Rs.50,000
|
| Over Limit Charge | Rs.500 |
| Cheque Bounce Charges | 2% on the bounce amount, minimum of Rs.500 |
| Foreign Currency Mark Up | 3.5% |
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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
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Kotak Zen Signature Credit Card Highlights
What do we like about this card?
- From 1st June 2025, the following spends will not earn reward points:
- 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
- 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:
- Wallet loads & online gaming above Rs. 10,000 per month
- Utility spends above Rs. 50,000 per month
- Fuel spends above Rs. 35,000 per month
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
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.
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Frequently Asked Questions
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.
