Apply for Zen Credit Card Online

• Earn 10 Zen Points for every ₹150 spent on Shopping (Apparels, Lifestyle goods, Departmental Stores & Jewellery)
• Earn 5 Zen Points for every ₹150 on all other spends.
• The reward points earned on all transactions will be capped at 6,500 points per billing cycle

Please note, w.e.f. 01st June 2025, the following changes will be applicable:

Kindly note:

a. Spends on above categories will not be considered when calculating milestone benefits
b. The aforementioned revisions will be based on the Merchant Category Codes (MCCs), which are 4-digit numbers assigned to merchants or businesses by card networks such as VISA, MasterCard, and RuPay. Click here for the list of applicable MCCs.

• The Zen Credit Card will complement the shopper in you. Every time you spend ₹150 on Shopping (Apparels, Lifestyle goods, Departmental Stores & Jewellery), you earn 10 Zen Points.
• On all your other spends, you earn 5 Zen points – except on Wallet Load, Fuel, Rent, Online skill-based gaming and the transactions that you convert to EMI.

• Earn 7500 Zen points on annual spends of ₹3,00,000 and additional 7500 Zen points on annual spends of ₹6,00,000
• For more details check out the Milestone tab click here

• You can avail of a welcome gift of 1500 Zen points. This gift can only be realized upon paying the joining fees of ₹1500/-. It is not available on the free card

• Please note, w.e.f. 01st June 2025, customer needs to meet the quarterly spends of ₹75,000 or more to enjoy 2 Domestic Airport Lounge accesses in the next calendar quarter
• Enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi.
• For list of lounges, Click here
• Click here for applicable terms and conditions on Lounge Access.

• 3 complimentary access per calendar year to Priority Pass International Lounges outside India
• Get access to over 1300+ lounges by simply swiping your Kotak Zen Credit Card
• Only the Primary Cardholder is eligible for the complimentary visits.
  
  

*Important Terms and conditions:

1. Complimentary visits are applicable only for the primary card holders.
2. Visit validation charges of $1 will be debited. These will be credited back to your card within 7 working days. 
3. USD 35 per person per visit will be charged for the guest.
4. After completion of the complimentary visits or access without meeting eligibility criteria, USD35 will be applicable for the primary holder as well.
5. For International Lounge Directory, Click here

• Please note, w.e.f. 01st June 2025, 1% fuel surcharge waiver is applicable on transactions that range between ₹500 and ₹5000, allowing you to avail a maximum fuel surcharge waiver of up to ₹3,500 in an anniversary year.

• Save railway surcharge of 1.8% for transactions on www.irtc.co.in and 2.5% for transactions on Indian Railways Booking Counters. The maximum railway surcharge waiver that is allowed in a anniversary year is ₹500/-.

• We value your time. Instead of you trying to reach us, we will reach you. 
• SMS "KASSIST" to 5676788 and we will call back within two hours. 
• We make it easy for you to pay your monthly dues.
• Call for complimentary cheque pickup

• Your Add-on Card will have all the benefits that you enjoy on your credit card
• Set the spend limit on your Add-on Card as you desire
• Track spends separately for each of your Add-on Card(s) 
• Click here to apply now for an Add-on Card.

• Embedded EMV Chip lends an additional level of security
• 6-digit PIN authentication for higher security of your transactions