Kotak Zen Credit Card's Features & Reward Points - Kotak Bank
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29 AUGUST, 2022

Nowadays, we use a credit or debit card for almost all purchases.

Whether buying groceries, gas, a new pair of shoes, or clothes, we use plastic cards.

Credit cards are an essential part of the modern lifestyle and can be a great way to build a credit history and save money.

From reward points to cashback, the best credit cards provide more benefits than others.

They allow us to accumulate points and rewards while taking advantage of their security features and flexible payment options.

For years, credit card companies have been focusing on the nitty-gritty features of their products.

They have been busy bringing in new features to make their cards more attractive to people.

Let us look at Kotak Zen - one of the best credit cards, and see how you can make the most of your credit card reward points.  

What is the Kotak Zen Signature Credit Card?

The Kotak Zen Signature is one of the most demanded credit cards that combines rewards, travel, and milestone perks seamlessly. Therefore, every time you spend using the card is profitable.

What are the features and reward points of the Kotak Zen Credit Card?

The Kotak Zen credit card offers various benefits and reward points.

1. Zen points

  • For every Rs. 150 spent on shopping (like lifestyle goods, jewellery, departmental stores and apparel) using the Kotak Zen credit card, the cardholder receives 10 Zen points.
  • On any other Rs. 150 purchase, the cardholder gets 5 Zen points except for transactions like cash expenditures, fuel purchases, and EMIs.

2. Milestone program

Cardholders are eligible for additional Zen points every year if they meet the following spending requirements:

  • If cardholders spend Rs. 3 lakhs in an anniversary year, they qualify for 7500 bonus Zen points.
  • Further, if they spend Rs. 6 lakhs in an anniversary year, they qualify for 15000 bonus Zen points.

*If you qualify for the bonus Zen points, they are added to your card account after the completion of the anniversary period.

3. Welcome gift

You receive 1500 Zen points after paying Rs. 1,500 joining fees as a welcome gift. Free credit cards do not have access to this feature.

4. Travel benefits

Cardholders can receive eight complimentary airport lounge visits (two every quarter) within India.

5. Priority pass access

  • Cardholders are entitled to a free priority pass membership and three free visits to priority pass international lounges per year at more than 1300 lounges.
  • If the customer has made at least four purchases in the previous 12 months, priority pass cards will be issued at no cost upon customer request for the primary cardholder only.
  • However, if the cardholder does not do four transactions in the previous 12 months, they can opt for a paid priority pass at Rs. 2000 (plus taxes).

6. Fuel surcharge waiver

  • Cardholders do not receive credit card reward points for fuel purchases or transactions.
  • However, any transactions between Rs. 500 and Rs. 3000 are eligible for the 1% fuel cost waiver.
  • They can avail of benefits of a maximum Rs. 3500 fuel surcharge waiver per anniversary year.

7. Railway surcharge waiver

  • For transactions made through www.irctc.co.in, a 1.8% railway surcharge can be avoided.
  • Further, if cardholders transact through Indian Railways Booking Counters, they can save 2.5%.

What Savings are Possible With The Kotak Zen Credit Card?

Cardholders can annually save as listed here:

Source: https://www.kotak.com/en/personal-banking/cards/credit-cards/zen-signature-credit-card/value-chart.html

Who is Eligible to Get the Kotak Zen Signature Credit Card?

The following requirements must be fulfilled to apply for the Kotak Zen Credit Card:

- The person must be an Indian citizen.

- There must be a minimum age requirement of 21 and a maximum age of 65.

- The add-on cardholder needs to be above 18 years.

- You must have a minimum net annual income of Rs. 4.8 lakh.

Individuals need to be aware that even if they match the above criteria, Kotak Mahindra Bank will still consider their application based on factors such as their past payment history, credit history, amount of debt, etc. To know your credit history one can use the credit score checker.

Moreover, a few documents must be submitted with your application.

Fees of Zen Signature Credit Card



Annual Fee

Rs. 1500

Joining Fee

Rs. 1500

Interest Charges

3.5% per month | 42% per annum

Late Payment Charges

➔    If the outstanding balance is 500 rupees or less, you will pay Rs. 100.

➔    If the outstanding balance is between Rs. 500 to Rs. 10,000, you will pay Rs. 500.

➔    You will pay Rs. 700 if the remaining balance is more than Rs. 10,000.

For more details, click here.

Source: https://www.kotak.com/en/personal-banking/cards/credit-cards/zen-signature-credit-card/fees-and-charges.html

How can you Apply For a Kotak Zen Signature Credit Card?

You can visit Kotak Mahindra Bank or submit an online application to get this card.

To apply online, the steps are as follows:

  1. Visit the Kotak Mahindra Bank website
  2. Find the Zen Signature Card in the credit cards section.
  3. In that section, click on “apply now” and fill out the form.

The bank will examine your submitted documents and verify the information you supplied after you have submitted them. After that, you will receive the card.

In addition, Kotak Mahindra Bank has introduced a quick method of payment. Fast, secure, and safe payment options are provided by Visa payWave.

Through that, you can pay for transactions up to Rs. 5,000 by waving your Kotak Zen Credit Card without a PIN.

Kotak Zen Signature credit cards are useful for individuals:

- Who like to spend money and engage in other transactions to earn credit card rewards points.

- Who frequently travel and desire free access to airport lounges could consider the card and

- Who are interested in receiving bonus incentives and welcome bonus points.


Numerous features and benefits are available on credit cards, which can be advantageous to the cardholder.

Credit cards can assist consumers in improving their financial status and credit scores when used wisely.

However, it is essential to understand the terms and conditions of credit cards before using them so that you do not get into debt.

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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.