Kotak Zen Signature Credit Card
Best for lifestyle and apparel shoppers. 10 Zen Points per Rs 150 on shopping (apparel, jewellery, departmental stores, lifestyle); 5 points per Rs 150 on other spends; 1 Zen Point = Rs 0.20
Terms as of 2026-09-28 · Checked 28 September 2026Kotak Zen Signature Credit Card at a glance
Who it suits: Lifestyle and apparel shoppers
Rewards & cashback
| Details | |
|---|---|
| How you earn | 10 Zen Points per Rs 150 on shopping (apparel, jewellery, departmental stores, lifestyle); 5 points per Rs 150 on other spends; 1 Zen Point = Rs 0.20 |
| Caps & exclusions | Max 6,500 points per billing cycle |
| Welcome benefit | 1,500 points on joining; milestone 7,500 points at Rs 3 lakh and another 7,500 at Rs 6 lakh annual spends |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹804 | -₹966 |
| ₹3,00,000 / year | ₹2,010 | ₹2,010 |
| ₹6,00,000 / year | ₹4,020 | ₹4,020 |
| ₹12,00,000 / year | ₹8,040 | ₹8,040 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | 2 domestic lounge visits/quarter on Rs 75,000 quarterly spend; 3 international Priority Pass visits/year |
| Fuel surcharge | 1% waiver on Rs 500-5,000 transactions, max Rs 3,500/year |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹1,500 + GST |
| Annual / renewal fee | ₹1,500 + GST |
| Fee waiver | Annual fee waived on Rs 1.5 lakh annual retail spends |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Rs 4.8 lakh p.a. (paisabazaar); age 21-65 |
| Age | 21-65 (add-on 18+) |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
| YES Bank Marquee | YES Bank | ₹9,999 / ₹4,999 | 2.25% base value | High online spenders |
Frequently asked questions
What is the annual fee of the Kotak Zen Signature Credit Card?
Joining fee ₹1,500 and annual fee ₹1,500 (plus 18% GST). Annual fee waived on Rs 1.5 lakh annual retail spends.
What rewards does it offer?
10 Zen Points per Rs 150 on shopping (apparel, jewellery, departmental stores, lifestyle); 5 points per Rs 150 on other spends; 1 Zen Point = Rs 0.20 Caps/exclusions: Max 6,500 points per billing cycle
Does it give airport lounge access?
2 domestic lounge visits/quarter on Rs 75,000 quarterly spend; 3 international Priority Pass visits/year
Who is eligible?
Rs 4.8 lakh p.a. (paisabazaar); age 21-65. A CIBIL score of 750+ improves approval chances.
Is the Kotak Zen Signature Credit Card good for me?
Best for: Lifestyle and apparel shoppers. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.kotak.bank.in, 2026-09-28. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Kotak Mahindra Bank’s website before applying. FinancePortal is not affiliated with the issuer.