Kotak

Kotak Zen Signature Credit Card

Apply for Kotak Zen Signature Credit Card for 10 Zen Points per ₹150 on shopping, 8 lounge visits & 15,000 bonus points. Best for shoppers.

ShoppingTravel
Apply Now View More Cards
Issued by

Kotak

Kotak Zen Signature Credit Card image
Joining Fee₹1500
Annual Fee₹1500
Income₹30000
Credit Score720

Key Highlights

Shopping

Earn 10 Zen Points for Every ₹150 Spent

on shopping categories including capped at 6,500 points per billing cycle

Travel

Get 2 Domestic Lounge Access

visits in the next calendar quarter on spending ₹75,000 or more in a quarter

Earn 10 Zen Points for Every ₹150 Spent

on shopping categories including capped at 6,500 points per billing cycle

Travel

Get 3 Complimentary International Lounge

Access visits per calendar year for the primary cardholder

Get 3 Complimentary International Lounge

Access visits per calendar year for the primary cardholder

Eligibility

Age Criteria21-60
Credit Score720
Salaried Income₹3.6 LPA
Self-employed Income₹3.6 LPA

3.6

Employment TypeSelf Employed, Salaried
New to CreditNot eligible

Fees & Waivers

Joining Fee₹1500

N/A

Joining Fee OffsetNot Applicable
Annual Fee₹1500

N/A

Annual Fee WaiverThe annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy
Estimated Annual Saving₹20983

Rewards & Redemption

Reward Conversion1 Zen Point = ₹0.25
Redemption Options

Vouchers, statement credit, shopping, mobile recharge, travel, etc. (Min redemption: 2,000 points for cash)

Earning ExclusionsRent Payment, Fuel Spends, Insurance Payments, EMI Spends, ATM Cash Withdrawals, Jewellery Purchases, Education Spends, Government-related Transactions, Wallet transactions, Load Money, Bank Charges & Fees, All Reversals, Gambling Transactions, Toll Payments, Security Broker Services, Charity, Railways, Utility Bill Payments, Balance Transfer, Financial Charges
Spend ExclusionsRent Payment, Fuel Spends, Insurance Payments, EMI Spends, ATM Cash Withdrawals, Jewellery Purchases, Education Spends, Government-related Transactions, Wallet transactions, Load Money, Bank Charges & Fees, All Reversals, Gambling Transactions, Toll Payments, Security Broker Services, Charity, Railways, Utility Bill Payments, Balance Transfer, Financial Charges

Benefits

All Benefits

  • Earn 10 Zen Points for every ₹150 spent on shopping categories such as apparels, lifestyle goods, departmental stores and jewellery
  • Earn 5 Zen Points for every ₹150 spent on other eligible spends
  • Reward points earned on all transactions are capped at 6,500 points per billing cycle
  • Earn 7,500 bonus Zen Points on annual spends of ₹3,00,000
  • Earn 15,000 bonus Zen Points on annual spends of ₹6,00,000

Welcome Benefits

  • Welcome gift of 1,500 Zen Points on payment of joining fee of ₹1,500 (not applicable for free card variant)

Airport Lounge Benefits

  • 2 complimentary domestic airport lounge visits per quarter on meeting quarterly spends of ₹75,000 or more in the previous calendar quarter
  • 3 complimentary international lounge visits per calendar year

Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹5,000 maximum fuel surcharge waiver of up to ₹3,500 in an anniversary year

Milestone Benefits

Minimum Spend₹300000
Within365 days
Reward Points Bonus7500

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

Apply Now