How to Use Zen Signature Credit Card For More Reward Points - Kotak Bank
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28 APRIL, 2023

Using your credit card to earn points and rewards is an easy and financially savvy way to save money. In addition to enabling you to pay for services and purchase goods on credit, you also receive bonus points, cashback, and special discounts on spending, travel and merchandise.

Credit cards can be a great tool to help you maximise rewards and earn more points for day-to-day spending. With Kotak’s Zen Signature Credit Card, cardholders can earn Zen Card rewards points and utilise them for their benefit.

Cardholders can significantly increase their total points and rewards by taking advantage of the rewards programs available with specific cards. They can also get additional points through promotional offers and signup bonuses.

Finally, many card issuers offer loyalty programs which allow for earning more benefits and rewards. By using these methods, cardholders can maximise the value of their credit card and reap the rewards for their spending.

What is the Zen Signature Credit Card?

Kotak Mahindra Bank offers the Kotak Zen Signature Credit Card to combine your travel, rewards, and milestone incentives.

Users can accumulate reward points with each swipe of this card. This card has a joining membership fee of Rs. 1,500.

Who is qualified to apply for the Kotak Zen Signature Credit Card?

Applying for the Kotak Signature Zen Credit Card requires meeting the following requirements:

  • The applicant must be an Indian resident.
  • The person applying for the card must be above 21 and below 65 years. The add-on cardholder must be over the age of 18.
  • Applicants must earn at least Rs. 4.8 lakh annually.

Even if the applicant meets the abovementioned requirements, we will still examine their application based on their prior payment history, credit history, and total debt.

What ways to use Zen Signature Credit Card to earn more points & rewards?

Knowing the benefits of credit card reward points can help you make the most of them. Here are some ways to help maximise rewards with Zen Signature Credit Card.

1. Select the right credit card

Choosing the right credit card can be essential, as it can help maximise points and rewards. Many credit cards are available, so it is paramount to pick the right one.

Consider factors like annual fees, interest rates, rewards programs, and other benefits to ensure that the selected credit card is the best option. Cardholders can receive great rewards and points when they choose the right card, such as Zen Signature Credit Card!

2. Spend smartly

Spending smartly is an essential skill for maximising points and rewards. To get the most out of spending, shop wisely by taking advantage of special offers, discounts, and promotions.

Knowing where to find the best deals and how to use reward programs to advantage can help get more value from every purchase or transaction.

With Zen Signature Credit Card, a cardholder can earn 10 Zen points for every Rs. 150 spent on purchases (such as clothes, jewellery, department shops, and lifestyle products).

Additionally, a cardholder can earn 5 Zen points on any other Rs. 150 transactions, except for cash transactions, gasoline purchases, and EMIs.

3. Utilise welcome offers

Utilising welcome offers for credit cards is an excellent way to maximise rewards and points. It can be done by taking advantage of freebies, promotional discounts and cashback opportunities. Various credit card companies often offer welcome offers, so it is always worth shopping around to find the best deal.

With Zen Signature Credit Card, cardholders receive 1500 Zen points after paying Rs. 1,500 joining fees. 

4. Use a credit card instead of cash

Stop using cash to pay for expenses and purchases; use credit cards instead to get reward points. The chances of receiving a reward or offer increase if one uses a credit card for their purchases.

The more a person uses a credit card, the more rewards and Zen Signature Card perks are collected.

With our Zen Signature Credit Card, a cardholder who spends Rs. 3 lakhs a year receives 7500 bonus Zen points. If cardholders spend Rs. 6 lakhs in a year, they get 15000 bonus Zen points.

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5. Use a credit card for travelling

Travelling can be expensive, but using a credit card can help save money in the long run. It provides various discounts and rewards; one also gets points and rewards for travelling.

Using a credit card for travel expenses can accumulate more points and rewards that allow taking advantage of free flights, hotel stays, and other travel-related benefits.

Zen Signature Credit Card allows cardholders to receive eight complimentary airport lounge visits (two every quarter) within India.

In addition to three free visits per year to priority pass international lounges at more than 1300 locations, cardholders are eligible for a free priority pass membership.

Priority pass cards are only provided free of charge to the primary cardholder upon request from customers who have made at least four transactions in the previous 12 months.

However, if the cardholder has not made four purchases in the preceding 12 months, they may choose to purchase a priority pass for Rs. 2000. (plus taxes).

6. Redeem reward points regularly

Reward points can be an excellent way to maximise spending and get back some money already paid. By redeeming the points regularly, cardholders can take advantage of special offers and discounts and enjoy the rewards before they expire.

People can make the most out of their points with the right strategies and reap the rewards.

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Using credit cards to earn more points and rewards can be wise if done with caution. With careful budgeting and shopping, you can rack up points quickly without overextending yourself.

Additionally, it is essential to use credit cards responsibly by making payments on time and within budget. With careful planning and research, using credit cards to earn points and rewards can be a great way to save money and maximise rewards.

Remember to compare credit cards to get the best deal to earn the maximum rewards.

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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.