Kotak Zen Signature Credit Card

Secure application on Kotak Mahindra Bank's website

Kotak Zen Signature Credit Card
Annual Fee
₹1,500
Min Income
₹4,00,000
Regular APR
42%
Rating
4.5/5

Kotak Zen Signature Credit Card

Rewards Card

Welcome Benefit

1,500 Zen Points upon payment of the joining fee of ₹1,500.

Why We Chose It

Ideal for individuals seeking substantial rewards on shopping and lifestyle purchases, along with travel benefits like complimentary lounge access.

Pros

  • Earn 10 Zen Points per ₹150 spent on shopping categories such as apparel, lifestyle goods, departmental stores, and jewelry.
  • Earn 5 Zen Points per ₹150 on all other spends.
  • 8 complimentary domestic airport lounge visits annually (2 per quarter).
  • 3 complimentary international lounge accesses per calendar year.
  • Milestone benefits with up to 15,000 bonus Zen Points annually.
  • Annual fee waiver on spending ₹1,50,000 or more in a year.

Cons

  • No reward points on fuel transactions.
  • Joining and annual fees applicable if spending criteria are not met.
  • Reward points capped at 6,500 per billing cycle.