Kotak Zen Signature Credit Card

The Kotak Zen Signature Credit Card is a great choice for shopping enthusiasts, offering generous reward points on various purchases. With up to 10 Zen points for every Rs. 150 spent on department stores, clothing, jewelry, and lifestyle items, this card ensures you earn rewards with every purchase. Additionally, you get complimentary Priority Pass Membership, and some visits to international lounges, a unique feature in this fee range. Check out the card details below for more information.

This card is primarily focused on shopping and offers travel as a secondary privilege, you should only choose it if most of your spending would be in the shopping category.

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Key Features of Kotak Zen Signature Credit Card
Kotak Zen Signature Credit Card
Best Suited For Shopping & Rewards
Joining Fee Rs. 1,500
Renewal Fee Rs. 1,500 (waived off on annual spends of Rs. 1.5 Lakh)
Welcome Benefit Earn 1500 Zen points as a welcome gift.
Best Feature 10 Zen Points per Rs. 150 spent on apparel, departmental stores, lifestyle goods and jewellery
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Table of Contents
Features and Benefits
Fees and Charges
Eligibility and Documentation
Other Similar Credit Cards
FAQs

Welcome Gift:

  • When you pay the joining fee of Rs. 1,500, you'll receive a welcome gift of 1,500 Zen points. This feature is not available on credit cards with the joining fee waived.

Reward Points:

  • You'll earn 10 Zen points for every Rs. 150 spent on lifestyle goods, departmental stores, apparel, and jewelry.
  • For other categories, you'll receive 5 Zen points for every Rs. 150 spent.
  • Fuel, cash spends, and EMI transactions are not eligible for earning reward points.

Also Read: Best Rewards Credit Cards in India

Milestone Program:

  • If you spend Rs. 3 lakhs in an anniversary year, you'll earn 7,500 bonus Zen points.
  • Spending Rs. 6 lakhs in an anniversary year will earn you 15,000 bonus Zen points.

Please note that cardholders will be eligible for only one of these milestones. For instance, if you spend Rs. 6 lakhs in a year, you will earn only 15,000 reward points, not 22,500 points. The bonus Zen points will be credited to your card account at the end of an anniversary period in accordance with the eligibility criteria.

Credit Card Offer

Lounge Access:

  • You'll receive a complimentary Priority Pass Membership for 1 year.
  • Enjoy 3 complimentary Priority Pass International Lounge accesses annually across 1300+ lounges.
  • For guests accompanying you, there's a charge of USD 27 per person per visit.
  • You also get 8 complimentary airport lounge accesses annually within India, covering both domestic and international terminals, with a cap of 2 visits per quarter.

Also Read: Best Credit Cards with Airport Lounge Access

Railway Surcharge Waiver:

  • You can avail a 1.8% railway surcharge waiver when booking tickets on www.irctc.co.in.
  • For transactions made at Indian Railways Booking Counters, the surcharge waiver is 2.5%.
  • The maximum railway surcharge waiver allowed in a calendar year is Rs. 500.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver on transactions ranging from Rs. 500 to Rs. 3,000
  • Maximum fuel surcharge waiver of Rs. 3,500 can be availed in a calendar year
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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

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The table below shows the eligibility criteria for this credit card:

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

Please note that even if you meet the above requirements, the bank will further evaluate your application based on your credit profile, past payment patterns, number of debts, etc. The final decision lies solely with Kotak Mahindra Bank.

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If you are looking for other credit cards that offer benefits similar to Kotak Zen Signature Credit Card then you can refer to the cards mentioned in the table below:

Credit Card Annual Fee Comparative Feature
Aditya Birla SBI Card Select Rs. 1,499 20 reward points per Rs. 100 spent on shopping at Aditya Birla Stores; 4 complimentary domestic lounge visits per year
HDFC MoneyBack Credit Card Rs. 500 4 reward points per Rs. 150 spent online
Axis Bank Privilege Credit Card Rs. 1,500 10 reward points per Rs. 200 spent on all spends; 2 complimentary domestic lounge visits per quarter
Standard Chartered Platinum Rewards Credit Card Rs. 250 5 reward points per Rs. 150 spent at fine-dine outlets

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1. For how long are Zen Points valid?

Zen points are valid for 1 year from the date of accrual.

2. To get the railway waiver, should I book only through IRCTC?

Yes, you should book your tickets via IRCTC to get the railway surcharge waiver.

3. Can I get an annual fee waiver on Kotak Zen credit card?

Yes, you can get your joining and/or annual fee waived on Kotak Zen Signature credit card on spending Rs.1.5 lakh in a calendar year.

4. Can I earn reward points on my fuel expenses?

You won't earn rewards on fuel purchases, but you'll receive a 1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 3,000. The maximum fuel surcharge waiver you can get in a calendar year is Rs. 3,500.

5. How can I redeem my reward points?

You can redeem them through cash, airline tickets, movie tickets, mobile recharge, or branded merchandise.

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

Kotak Mahindra Bank Credit Cards

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