Kotak Zen Signature Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 5 Zen Points per ₹150 (5 Zen Points per ₹150 on all standard retail categories)
Overview
Kotak Zen Signature Credit Card by Kotak Mahindra Bank provides premium value tailored for Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 5 Zen Points per ₹150 (5 Zen Points per ₹150 on all standard retail categories)
- • Accelerated Rewards: 10 Zen Points per ₹150 (2X) on Apparel, Lifestyle, Departmental stores, and International spends
- • Excluded Categories: Fuel, Wallet loads, Rent
Welcome Benefit
1,500 bonus Zen Points upon payment of annual joining fee; Qualification Criteria: Payment of joining fee within 30 days; Fulfillment Timeline: 30 days post fee realization
Milestone Benefit
Spend ₹1.5 Lakhs (Annual): Annual renewal fee waiver of ₹1,500; Spend ₹3 Lakhs (Annual): 7,500 bonus Zen Points; Spend ₹6 Lakhs (Annual): Additional 7,500 bonus Zen Points (15,000 Total); Annual Fee Waiver: Spend ₹1,50,000 or more in preceding 12 months for fee waiver
Redemption
Kotak Rewards portal for flight bookings, hotel stays, gift vouchers, and statement cash credit at 1 Zen Point = ₹0.20
Benefits
- Domestic Airport Lounge: 8 per year (2 per calendar quarter) upon achieving quarterly retail spend of ₹75,000
- International Airport Lounge: 3 complimentary accesses per calendar year via direct Kotak Credit Card swipe (Priority Pass discontinued)
- Fuel Surcharge Waiver: 1% waiver on transactions ₹500–₹5,000 (Max waiver ₹3,500 per anniversary year)
- Railway Surcharge Waiver: 1.8% for IRCTC / 2.5% at railway counters (Max waiver ₹500 per anniversary year)
- Priority Attend / Concierge: SMS 'KASSIST' to 5676788 for callback within 2 hours and complimentary cheque pickup
- Culinary Delights: Special dining discounts and priority bookings across partner gourmet restaurants in India. (Available on Kotak partner dining network) [Partners: Kotak Culinary Program]
Things to Know Before you apply
Kotak Zen Signature Credit Card Eligibility Criteria
- Age: 21–60 years
- Salaried min ₹40,000/month; Self-employed min ITR ₹4,80,000 p.a.
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹1,500 |
| Annual Fee | ₹1,500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹1,50,000 or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
Kotak Zen Signature Credit Card issued by Kotak Mahindra Bank is one of India's leading credit cards for Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 5 Zen Points per ₹150 (5 Zen Points per ₹150 on all standard retail categories)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹1500
- • Reward exclusion on fuel purchases and wallet load transactions
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- • 1,500 bonus Zen Points upon payment of annual joining fee
- • Qualification Criteria: Payment of joining fee within 30 days
- • Fulfillment Timeline: 30 days post fee realization
- • 6,000 bonus Reward Points worth ₹1,500 upon payment of joining fee
- • Qualification Criteria: Payment of joining fee within 30 days
- • Fulfillment Timeline: 30 days post fee realization
- • Welcome vouchers worth ₹5,000+ (Tata CLiQ, EaseMyTrip, Croma) on payment of joining fee
- • Qualification Criteria: Card activation and fee payment within 45 days
- • Fulfillment Timeline: 45 days post fee realization
- • Base Rewards: 5 Zen Points per ₹150 (5 Zen Points per ₹150 on all standard retail categories)
- • Accelerated Rewards: 10 Zen Points per ₹150 (2X) on Apparel, Lifestyle, Departmental stores, and International spends
- • Excluded Categories: Fuel, Wallet loads, Rent
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 on other retail spends)
- • Accelerated Rewards: 7.25% value back on BPCL fuel & lubricants: 25 Reward Points per ₹100 (6.25% value) + 1% fuel surcharge waiver (capped at 2,500 RPs per billing cycle). 10 RPs per ₹100 on Dining, Groceries, Departmental Stores & Movies.
- • Excluded Categories: Non-BPCL petrol pumps, Wallet loads
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • Accelerated Rewards: 50% extra points on American Express card variant
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 5 Zen Points per ₹150 (5 Zen Points per ₹150 on all standard retail categories)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 on other retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹1500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹2000
- • Reward exclusion on fuel purchases and wallet load transactions