Kotak Zen Signature Credit Card
Kotak bank KOTAK Bank

Kotak Zen Signature Credit Card

cat name Reward Points
cat name Shopping

Best Suited For: Shopping & Rewards

Joining Fee: ₹1,500* Plus Applicable Taxes

Renewal Fee: ₹1,500* Plus Applicable Taxes

cat name Reward Points
cat name Shopping

Best Suited For: Shopping & Rewards

Joining Fee: ₹1,500* Plus Applicable Taxes

Renewal Fee: ₹1,500* Plus Applicable Taxes

Best Features:- 8 reward points per Rs. 150 spent via this credit card

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The Kotak Zen Signature Credit Card offers a perfect blend of rewards, shopping, and travel benefits. That makes it a great choice for frequent shoppers and travelers. With a joining fee of ₹1,500, you get a welcome bonus of 1,500 Zen Points. You can earn up to 10 Zen Points for every ₹150 spent on lifestyle purchases, departmental stores, and more. To enhance your travel experience it gives you 8 complimentary domestic lounge visits annually, 3 international lounge visits, and a Priority Pass membership.

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All You Need To Know

Card Type

Shopping & Rewards

Welcome Benefits
  • Earn 1,500 Zen Points as a welcome gift upon payment of the Rs. 1,500 joining fee.
  • Not applicable if the joining fee is waived or for add-on cards.
Reward Points
  • 10 Zen Points for every Rs. 150 spent on lifestyle goods, departmental stores, apparel, and jewelry.
  • 5 Zen Points for every Rs. 150 spent in other categories.
  • No reward points on fuel, cash spends, or EMI transactions.
Milestone Program
  • Spend Rs. 3,00,000 annually to earn 7,500 Zen Points.
  • Spend Rs. 6,00,000 annually to earn 15,000 Zen Points (not cumulative with the Rs. 3 lakh milestone).
  • Bonus Zen Points are credited at the end of the anniversary year.
Travel & Lounge Access Benefits
  • Domestic Lounge Access:
    • 8 complimentary visits annually (2 per quarter) at DreamFolks lounges within India.
  • International Lounge Access:
    • 3 complimentary visits annually via Priority Pass membership to 1,300+ lounges globally.
    • Valid only for the primary cardholder. Requires at least four transactions in the preceding year.
Fuel Surcharge Waiver
  • 1% waiver on transactions between Rs. 500 and Rs. 3,000.
  • Maximum annual benefit: Rs. 3,500.
Railway Surcharge Waiver
  • 1.8% waiver on IRCTC transactions.
  • 2.5% waiver at Indian Railways booking counters.
  • Maximum annual benefit: Rs. 500.
Annual Fee Waiver
  • Spend Rs. 1,50,000 annually to get the Rs. 1,500 annual fee waived.
Add-On Card Facility
  • Add-on cards carry the same benefits as the primary card.
  • Set spending limits and track expenses separately for each add-on card.
Visa PayWave & Security Features
  • Contactless payments for transactions up to Rs. 5,000 at merchant outlets.
  • EMV chip-enabled for enhanced security.
Key Benefits Summary
  • Reward Points:
    • 10 Zen Points for every Rs. 150 on shopping.
    • 5 Zen Points for every Rs. 150 on other expenses.
  • Bonus Rewards:
    • 7,500 Zen Points for Rs. 3 lakh annual spend.
    • 15,000 Zen Points for Rs. 6 lakh annual spend.
  • Lounge Access:
    • 8 domestic lounge visits annually (2 per quarter).
    • 3 international lounge visits annually via Priority Pass.
  • Surcharge Waivers:
    • 1% fuel surcharge waiver.
    • Up to Rs. 3,500 annual savings on fuel.
    • Railway surcharge waiver (IRCTC and counter bookings).
  • Travel & Priority Support:
    • Access exclusive domestic and international lounges.
    • Priority support by sending "KASSIST" to 5676788 for quick resolutions.

Kotak Bank Zen Signature Credit Card Eligibility:

Criteria Details
Age 21 to 65 years
Minimum Income Rs. 4.8 Lakh p.a.
Documents Required Click here for the list of documents required

The fees and charges applicable to Kotak Zen Signature Credit Card are mentioned below:

Type of Fee or Charge Amount
Joining Fee Rs. 1,500
Annual Fee Rs. 1,500 (waived off on annual spends of Rs. 1.5 Lakh)
Interest Charges 3.5% per month | 42% per annum
Late Payment Charges
  • Rs. 100 for outstanding balance less than or equal to Rs. 500
  • Rs. 500 for outstanding balance between Rs. 500 to Rs. 10,000
  • Rs. 700 for an outstanding balance greater than Rs. 10,000

Apply for Kotak Zen Signature Credit Card

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FAQs

You can redeem Zen Points for cash, airline tickets, movie tickets, mobile recharges, or shopping vouchers on the Kotak Rewards website.

Every 1 Zen Point equals ₹0.25.

Yes, your Zen Points are valid for 1 year from the date they are earned.

The joining fee is ₹1,500, and the annual fee is also ₹1,500. But they are waived with sufficient spending.

Yes, spend ₹1.5 lakh or more in a year to get your annual fee waived.

  • Get 7,500 bonus reward points on spending ₹3,00,000 in a year.
  • Earn 15,000 bonus reward points on spending ₹6,00,000 in a year.

Yes, you get 2 free lounge visits per quarter, including international and domestic lounges.

You get a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, with a maximum benefit of ₹3,500 per year.

Enjoy a 2.5% waiver on offline railway bookings and 1.8% on online bookings via IRCTC.

Yes, you can apply for an add-on card for family members aged 18 or above. The fee for an add-on card is ₹299.

Here are some of the links that will help you manage your Kotak Credit Card, you can click on them as per your requirements:

Check if you are eligible for the Kotak Zen Signature
Credit Card on mybankingtips.com

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