Kotak Mahindra Bank
Benefits & Features
Welcome Offer
You will receive 1500 Zen points as a welcome gift upon payment of the ₹1500 joining fee.
Rewards Rate
Earn 10 Zen Points/₹150 on shopping & lifestyle; 5 Zen Points/₹150 on other spends. Max 6,500 points/cycle.
Reward Type
Reward Points
Reward Redemption
1 Zen Point = ₹0.25. Redeem via Kotak Reward program for vouchers, discounts, or cash conversion.
Domestic Lounge Access
8 free domestic lounge access (spend-based). Post-June 2025, requires ₹75k quarterly spend.
International Lounge Access
3 free international lounge accesses/year for primary cardholder, requires 4 purchase transactions.
Premium Benefits
Not Applicable
Insurance Coverage
Not Applicable
Movie
Not Applicable
Dining
Not Applicable
Travel Benefits
Complimentary domestic & international lounge access and railway surcharge waiver.
What matters, explained clearly
Frequently Asked Questions
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