Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Kotak Zen Signature Credit Card

    The Kotak Zen Signature Credit Card by Kotak Mahindra Bank has been curated to balance your travel, rewards, and milestone benefits. Every swipe with this card will earn you reward points that can be redeemed later. The card comes at a joining fee of Rs.1,500.

    Key Benefits of the Kotak Zen Signature Credit Card

    • Get 15,000 bonus ZEN Points when you cross an annual expense of Rs.6 lakh every year
    • Get 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000.
    • Get 5 Zen points time you spend Rs.150 on all other spends

    Benefits of the Kotak Zen Signature Credit Card

    Welcome gift benefits

    • You will get a welcome gift of 1,500 Zen points.
    • The gift can be availed when you pay the joining fee.

    Zen points benefits

    • Get 15 Zen points for every Rs.150 that you spend on KayMall
    • Get 5 Zen points time you spend Rs.150 on all other spends

    Bonus Zen points benefits

    • Get 15,000 bonus ZEN Points when you cross an annual expense of Rs.6 lakh every year

    Travel and airport lounge benefits

    • Get 8 free Airport Lounge visits annually in India at the domestic and international terminals.

    Priority pass access benefits

    • Get Complimentary Priority Pass Membership with 3 free Priority Pass International Lounge access in one year across 1,300+ lounges.

    Fuel surcharge benefits

    • Get 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000.
    • Get a maximum fuel waiver of Rs.3,500 in every calendar year

    Railway Surcharge Waiver

    • You can save railway surcharge of 1.8% for transactions on www.irtc.co.in
    • Save 2.5% for transactions on Indian Railways Booking Counters.
    • The maximum surcharge waiver in a calendar year is Rs.500.

    Value Chart of the Kotak Zen Signature Credit Card

    Value Chart Value
    Monthly Spends on the card (assumed for below calculation) Rs.70,000
    Joining Fee Rs.1,500
    Annual Fee Rs.1,500
    Value Builders Value
    Welcome Benefit 375
    Priority pass + 3 free visits 13,500
    Zen points value on KayMall spends 6,300
    Zen points value on non-KayMall spends 4,900
    Milestone benefit on crossing INR 6 Lakh annual spends 3,750
    Fuel surcharge waiver annual benefit 3,500
    Annual fees Waiver Benefit 1,500
    Net annual value to cardholder 30,825

    Fees and Charges of the Kotak Zen Signature Credit Card

    Particulars Amount
    Particulars Amount
    Joining Fees Rs.1,500
    Annual Fees Rs.1,500
    Condition for waiver of Joining Fees NA
    Condition for waiver of Annual Fees - First Year Annual retail Spends of Rs 1.5lac
    Condition for waiver of Annual Fees - Second Year Annual retail Spends of Rs 1.5lac
    Addon card Fees Rs.299
    Interest Charges on outstanding Balances 3.4% (Annualized 40.8%)
    Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due) MAD can be 5% or 10% of TAD as decided by the Bank
    ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof Rs.300
    Late Payment Charges ("LPC")
    • Rs.100 for statement o/s less than or equal to Rs.500
    • Rs.500 for statement o/s between Rs.501 to Rs.10,000
    • Rs.700 for statement o/s greater than Rs.10,000
    Over Limit Charge Rs.500
    Cheque Bounce Charges Rs.500
    Foreign Currency Mark Up 3.5%
    Railway Booking Surcharge (1.8%/2.5% on transaction amount) Waived
    Fuel Surcharge (1% on transaction) Waived
    Fee for Cash payment at Bank Rs.100
    Outstation Cheque Processing Fee Waived
    Reissue/ Replacement Card (per issuance) Rs.100
    Charge Slip Request Waived
    Machine Surcharge at ATMs Waived
    Balance Enquiry Charges at Non-Parent Bank ATM Waived
    Duplicate Statement Request Waived
    Web Pay Service Fee Waived
    Furnishing a copy of Credit Information Report (CIBIL) Rs.50

    Documents Required to Apply for the Kotak Zen Signature Credit Card

    Income proof (For self-employed)
    • Recent ITR (Income Tax Returns)
    • Audited profit and loss statement or balance sheet
    Address proof (any one)
    • Passport
    • Telephone bill
    • Aadhaar card
    • Electricity bill
    • Rental agreement
    • Ration card
    Income proof (For salaried)
    • Recent salary slips
    • Salary certificate
    • Employment letter
    Proof of Identity (any one)
    • Voter's ID card
    • Ration Card
    • PAN Card
    • Passport
    • Driving licence
    • Aadhaar card

    Eligibility Criteria for Kotak Zen Signature Credit Card

    • You should be in the age bracket of 21 years to 65 years.
    • The add-on card holder has to be 18 years of age and above.
    • Your net income should be Rs.4.8 lakh and above per year.
    • You should be a resident of India.

    FAQs on Kotak Zen Signature Credit Card

    1. How many airport lounge visits can I get in a quarter?

      You can get 2 visits per quarter.

    2. Can I redeem my reward points?

      Yes, you can redeem them through cash, airline tickets, movie tickets, mobile recharge, or branded merchandise.

    3. Are there any milestone benefits with the Kotak Zen Signature Credit Card?
      Milestone Earn Bonus Zen Points
      Spend Rs.3 lakh 7,500
      Spend Rs.6 lakh 15,000
    4. Can I earn reward points on my fuel expenses?

      No, you will not earn reward points on your fuel expenses, but you will get a fuel surcharge waiver. Get You can 1% fuel surcharge waiver on transactions that range between Rs.500 and Rs.3,000. Get a maximum fuel waiver of Rs.3,500 in every calendar year.

    5. To get the railway waiver, should I book only through IRCTC?

      Yes, you should book your tickets via to get the railways waiver.

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