Kotak Zen Signature Credit Card

Gaurav

The Kotak Zen Signature Credit Card is a credit card from Kotak Mahindra Bank that gives extra rewards when you spend on shopping, especially on clothes, jewellery, lifestyle items, and at department stores. You get 1,500 Zen Points as a welcome bonus after paying the joining fee. You can earn up to 15 Zen Points for every ₹150 spent in select categories. The card also gives up to 15,000 extra points every year if you reach certain spending milestones, making it a good option for regular shoppers.

This card also comes with useful travel benefits. You get 8 free visits to domestic airport lounges and 3 free visits to international lounges every year. It also offers a 1% fuel surcharge waiver and helps you save on railway bookings. If you spend ₹1.5 lakh in a year, you can also get the annual fee waived. Overall, the Kotak Zen Signature Credit Card is a smart choice for people who want to save more while shopping and enjoy some added travel comforts.

Credit Card Detail
Kotak Zen Signature Credit Card
Joining Fee
Rs. 1500.00 +GST
Renewal Fee
Rs. 1500.00 +GST
Best Suited For
Shopping | Travel
Reward Type
Reward Points
Welcome Benefits
You’ll receive 1,500 Zen Points as a welcome gift after you pay the joining fee.
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Rewards Rate
You earn 10 Zen Points for every ₹150 spent on clothes, jewellery, lifestyle items, and at department stores. For all other purchases, you get 5 Zen Points per ₹150. There's a monthly limit of 6,500 Zen Points you can earn.
Reward Redemption
Zen Points can be used to shop from the Kotak Rewards catalogue or to pay directly at partner stores using the ‘PaybyPoints’ option.
Movie & Dining
N/A
Travel
You get a 1.8% waiver on railway surcharges when you book tickets through the IRCTC website, and a 2.5% waiver when booking at Indian Railways ticket counters.
Golf
N/A
Domestic Lounge Access
You get 2 free lounge visits every quarter at selected Dream Folks lounges in India.
International Lounge Access
You get 3 free visits each year to international Priority Pass lounges if you make at least 4 purchases using your card in a year.
Insurance Benefits
N/A
Interest Rates
3.75% per month (45% per year)
Spend-Based Waiver
If you spend ₹1,50,000 in a year, you won’t have to pay the ₹1,500 annual fee.
Rewards Redemption Fee
Nil
Cash Advance Charges
Either 2.5% of the amount or at least ₹500, whichever is higher.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
You get a 1% waiver on fuel surcharge, saving up to ₹3,500 each year, for fuel purchases between ₹500 and ₹3,000.
Card Details
  • Get 1,500 Zen Points as a welcome gift on payment of the joining fee (not applicable for free cards).
  • Earn 10 Zen Points for every ₹150 spent on shopping and 5 Zen Points for every ₹150 spent on other purchases.
  • Receive 7,500 bonus Zen Points on annual spending of ₹3,00,000 and 15,000 bonus Zen Points on annual spending of ₹6,00,000.
  • Annual fee is waived if your yearly spending is ₹1,50,000 or more.
  • Enjoy 8 complimentary domestic lounge visits per year (2 per quarter) at select Dream Folks Lounges.
  • Get 3 complimentary international lounge visits per year at Priority Pass Lounges (available only to the primary cardholder, with a minimum spend requirement).
  • Benefit from a 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000, up to ₹3,500 waiver annually.
  • Save on railway surcharge fees: 1.8% waiver on www.irtc.co.in bookings and 2.5% waiver at Indian Railways counters, with a maximum ₹500 waiver per year.
  • Add-on cards available with customizable spending limits and separate tracking.
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Frequently Asked Questions

With the Kotak Zen Signature Credit Card, you earn 10 Zen Points for every ₹150 spent on shopping in categories like apparel, lifestyle, and jewellery. For other purchases, you earn 5 Zen Points per ₹150 spent. However, fuel purchases do not earn any reward points.

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