Kotak Zen Signature Credit Card
Secure application on Kotak Mahindra Bank's website
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.