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Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.
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Credit cards help people struggling with poor cash flows. With the right credit card, people can get a better hold of their finances. There are different types of credit cards for various use cases. For example, student credit cards are available with minimal charges for students. Similarly, a rewards credit card offers cashback and other benefits on purchasing. The Zen Signature Credit Card offered by Kotak is making waves in 2022. The Zen Credit Card offers travel benefits, retail benefits, and more. Read on to discover the features of the Kotak Zen Signature Credit Card.
How does the Zen Card work?
Kotak Zen Signature Credit Card is a unique credit card that offers several benefits to users. The Zen Card equally offers rewards, travel benefits, and milestone benefits. For every Zen Signature Credit Card use, a customer gets reward points. The milestone program of the credit card runs on Zen points. Users earn Zen points after spending with the Zen Signature credit card. Users can use these points to unlock greater rewards. As the Zen points increase, the benefits also increase. Many people have already benefited from Kotak's Zen Signature Credit Card.
Travel benefits of the Zen Signature Card
Apart from retail benefits and rewards, people use the Zen card for travel benefits. There are two types of travel benefits offered by the Zen card. These are annual travel benefits and priority pass access. Let us understand both the travel benefits of the Zen card:
Travel benefits and conditions of the Zen card are as follows:
Apart from travel benefits, Zen cardholders also get Priority Pass Access. With Priority Pass membership, cardholders can enjoy three complimentary international lounge access. The Pass is valid for a year and offers three access passes for lounges outside India. More than 1300 international lounges worldwide are included in the Priority Pass. Some terms and conditions associated with the Priority Pass are as follows:
At international lounges, individuals get facilities like an air-conditioned area, refreshments, a shower, telephone, television, and Wi-Fi connectivity. Credit cardholders can use their annual travel credit at their will. Zen card is excellent for travel buffs that spend a lot on domestic and international lounges. Travel credits are just the starting benefits of the Zen card. One can also benefit from the Milestone program of Zen card.
The Zen Point system
For every INR 150 spent on purchases, Zen cardholders can earn 10 Zen Points. These points are available on shopping for apparel, lifestyle products, and jewellery via credit card. Credit card users earn five zen points when shopping for other items (every INR 150). After spending INR 3 lakh in a year via credit card, users get 7,500 bonus Zen Points. After spending INR 6 lakh in a year, Zen credit card holders can get 15,000 Zen Points. Based on the spending, credit card users will be eligible for only one of the milestones. Zen Card users can acquire a welcome gift of 1500 Zen Points. The remaining Zen Points can be used by the credit card holder as and when required. Make sure to read the terms and conditions associated with using Zen Points.
Additional benefits of the Zen Signature Card
Credit cardholders are eligible for many other benefits besides travel credits and Zen Points. Additional benefits for Zen Signature Card holders are as follows:
Credit cards with annual travel credit can help individuals to save on travel costs. The Zen Signature credit card offers it all, from lounge access to surcharge waivers. Apply for your Kotak Zen card right away!
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