What are the welcome benefits of the Kotak Zen Signature Credit Card?

With the Kotak Zen Signature Credit Card, you receive 1500 Zen points as a welcome gift upon paying the joining fee. These points are equivalent to ₹375.

What are the joining and renewal fees for the Kotak Zen Signature Credit Card?

The Kotak Zen Signature Credit Card has a joining fee of ₹1,500 + GST and a renewal fee of ₹1,500 + GST.

How can I get an annual fee waiver on my Kotak Zen Signature Credit Card?

You can get an annual fee waiver on your Kotak Zen Signature Credit Card by achieving annual retail spends of ₹1,50,000 or more.

What is the reward rate on the Kotak Zen Signature Credit Card?

The Kotak Zen Signature Credit Card offers 10 Zen Points for every ₹150 spent on shopping categories and 5 Zen Points for every ₹150 on all other spends, capped at 6,500 points per billing cycle.

How can I redeem Zen points earned with my Kotak Zen Signature Credit Card?

Zen points from your Kotak Zen Signature Credit Card can be redeemed for exclusive vouchers, special discounts on partner deals, or converted into cash at partner merchant outlets.

Does the Kotak Zen Signature Credit Card offer airport lounge access?

Yes, the Kotak Zen Signature Credit Card provides 8 complimentary domestic lounge accesses per year (spend-based) and 3 complimentary international lounge accesses per calendar year for the primary cardholder.

What are the milestone benefits of the Kotak Zen Signature Credit Card?

With the Kotak Zen Signature Credit Card, you can earn 7500 bonus Zen points on annual spends of ₹3,00,000 and an additional 7500 Zen points on annual spends of ₹6,00,000.

Are there any charges for foreign currency transactions with the Kotak Zen Signature Credit Card?

Yes, the Kotak Zen Signature Credit Card applies a foreign currency markup of 3.5% on international spends.

What are the eligibility criteria to apply for the Kotak Zen Signature Credit Card?

To apply for the Kotak Zen Signature Credit Card, you must be a resident of India, aged 21-65 years, with an annual net income of ₹4.8 Lakhs or above.

How does the Kotak Zen Signature Credit Card handle fuel surcharge waivers?

The Kotak Zen Signature Credit Card offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹3000, with a maximum waiver of ₹3,500 per anniversary year.

Kotak Mahindra Bank

Kotak Zen Signature Credit Card

ShoppingTravel

Last updated: 30 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Receive 1500 Zen points (equivalent to ₹375) as a welcome gift upon paying the joining fee.

Rewards Rate

Earn 10 Zen Points/₹150 on shopping; 5 Zen Points/₹150 on other spends. Capped at 6,500 points/billing cycle.

Reward Type

Reward Points

Reward Redemption

Redeem Zen points for vouchers, discounts, or cash at partner outlets. 1 Zen Point is equivalent to ₹0.25.

Domestic Lounge Access

8 complimentary domestic lounge accesses per year, with 2 per quarter on ₹75,000 spend in prior quarter.

International Lounge Access

3 complimentary international lounge accesses per calendar year for primary cardholder, after 4 purchase transactions.

Premium Benefits

Not Applicable

Insurance Coverage

Not Applicable

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Enjoy 1.8% railway surcharge waiver on www.irtc.co.in and 2.5% on booking counters, max ₹500 annually.

What matters, explained clearly

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Frequently Asked Questions

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