MyFinCards
Zen Signature Credit Card

Joining Fee

₹1,500

Annual Fee

Rs. 1500 (Reversed on annual spends of Rs. 1.5 Lakhs)

Kotak Bank
Shopping
Rewards
Lifestyle
Travel
Best For: Frequent shoppers in apparel, lifestyle and jewellery, Domestic and international travellers seeking lounge access, Cardholders who can meet annual milestone spend thresholds

Zen Signature Credit Card

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹6,500 /statement_cycle

Pros

  • High reward rate of 10 Zen Points per ₹150 on shopping (apparels, lifestyle, departmental stores & jewellery)
  • Complimentary domestic and international airport lounge access
  • Milestone bonus points up to 15,000 per year
  • Annual fee waiver on ₹1.5 lakh annual spend
  • Fuel and railway surcharge waivers

Cons

  • Domestic lounge access requires ₹75,000 quarterly spend threshold (from June 2025)
  • Reward points capped at 6,500 per billing cycle
  • No points earned on Wallet Load, Fuel, Rent, Online skill-based gaming (from June 2025)
  • International lounge guest visits charged at USD 35 per person
  • Visit validation charge of $1 for international lounges (credited back within 7 working days)

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Welcome gift of 1500 points only available on payment of joining fee; not on free card

Reward points on Education & Insurance capped at ₹70,000 per statement cycle (from June 2025)

Reward points on Utility spends capped at ₹50,000 per statement cycle (from June 2025)

Reward points on Government spends capped at ₹40,000 per statement cycle (from June 2025)

Spends on excluded categories not counted towards milestone benefits

Key Benefits & Features

Welcome gift of 1500 Zen points on payment of joining fee of ₹1500

Railway surcharge waiver: 1.8% on IRCTC online & 2.5% at booking counters; max ₹500 per anniversary year

Add-on card available with customisable spend limits and separate spend tracking

Eligibility Criteria

Min. Annual Income

₹3.0 Lakhs

Age Requirement

21+ Years

Occupation

SALARIED

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

Notable Exclusions

No Zen points earned on Wallet Load spendsNo Zen points earned on Fuel spendsNo Zen points earned on Rent spendsNo Zen points earned on Online skill-based gaming spendsNo Zen points earned on transactions converted to EMIEducation & Insurance Zen points earned only on spends up to ₹70,000 per statement cycleUtility spends Zen points earned only on spends up to ₹50,000 per statement cycleGovernment category Zen points earned only on spends up to ₹40,000 per statement cycle

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Zen Signature Credit Card

The Kotak Zen Signature Credit Card is designed for shoppers and travellers who want to earn meaningful rewards on every purchase. At its core, the card offers 10 Zen Points for every ₹150 spent on shopping categories including apparels, lifestyle goods, departmental stores, and jewellery, while all other eligible spends earn 5 Zen Points per ₹150. New cardholders receive a welcome gift of 1,500 Zen Points upon paying the joining fee, making it a rewarding card from day one. Beyond everyday shopping, the Zen Credit Card delivers strong travel and milestone benefits. Cardholders enjoy complimentary domestic airport lounge access each quarter upon meeting a ₹75,000 quarterly spend threshold, along with 3 complimentary international Priority Pass lounge visits per calendar year. The card also offers a compelling milestone program, rewarding 7,500 bonus Zen Points on annual spends of ₹3 lakh and an additional 7,500 points on reaching ₹6 lakh in annual spends. Additional perks include a 1% fuel surcharge waiver on transactions between ₹500 and ₹5,000, railway surcharge waivers on IRCTC transactions, and an annual fee waiver on retail spends of ₹1,50,000. With a joining and annual fee of ₹1,500 each, the Zen Credit Card suits frequent shoppers and travellers seeking a well-rounded rewards experience with tangible everyday savings.

Expert Review

Our Verdict

Earn 10 Zen Points per ₹150 on shopping with lounge access, milestone bonuses & annual fee waiver.

Frequently Asked QuestionsAbout Zen Signature Credit Card

FEESWhat is the joining fee and annual fee for the Kotak Zen Signature Credit Card?
The Kotak Zen Signature Credit Card has a joining fee of ₹1,500 and an annual fee of ₹1,500. However, the annual fee can be waived if you spend ₹1,50,000 or more on retail purchases in an anniversary year. Additionally, upon paying the joining fee, you receive a welcome gift of 1,500 Zen Points.
REWARDSHow many Zen Points do I earn on shopping spends with the Zen Signature Credit Card?
You earn 10 Zen Points for every ₹150 spent on Shopping categories including Apparels, Lifestyle goods, Departmental Stores, and Jewellery. For all other spends, you earn 5 Zen Points per ₹150. Please note that reward points earned are capped at 6,500 points per billing cycle. No Zen Points are earned on Wallet Load, Fuel, Rent, Online skill-based gaming, or transactions converted to EMI.
REWARDSWhat is the Milestone Bonus Program on the Zen Signature Credit Card?
The Zen Signature Credit Card offers a milestone bonus where you earn 7,500 Zen Points when your annual spends cross ₹3,00,000. If your annual spends cross ₹6,00,000, you earn an additional 7,500 Zen Points, bringing the total milestone bonus to 15,000 Zen Points per year. Please note that spends on categories like Wallet Load, Fuel, Rent, and Online skill-based gaming are not considered for milestone calculations.
BENEFITSWhat domestic airport lounge access benefits does the Zen Signature Credit Card offer?
The Zen Signature Credit Card provides complimentary domestic airport lounge access with benefits such as gourmet meals, comfortable seating, widescreen TVs, newspapers, magazines, and free Wi-Fi. Please note that effective June 1, 2025, cardholders must meet a quarterly spend threshold of ₹75,000 or more to enjoy 2 complimentary domestic airport lounge accesses in the following calendar quarter.
BENEFITSHow does international airport lounge access work with the Zen Signature Credit Card?
The Zen Signature Credit Card offers 3 complimentary Priority Pass international lounge accesses per calendar year at 1,300+ lounges outside India. Only the primary cardholder is eligible for complimentary visits. A visit validation charge of $1 is debited and credited back within 7 working days. Guest visits are charged at USD 35 per person per visit. After exhausting complimentary visits, USD 35 applies to the primary cardholder as well. No Priority Pass Card is required — simply activate international transactions via the Kotak Mobile App or Net Banking.
BENEFITSIs there a fuel surcharge waiver on the Zen Signature Credit Card?
Yes, the Zen Signature Credit Card offers a 1% fuel surcharge waiver on transactions ranging between ₹500 and ₹5,000. Effective June 1, 2025, the maximum fuel surcharge waiver you can avail is up to ₹3,500 in an anniversary year. Note that from June 2025, Zen Points will no longer be earned on fuel transactions.
BENEFITSDoes the Zen Signature Credit Card offer a railway surcharge waiver?
Yes, the Zen Signature Credit Card provides a railway surcharge waiver. You save 1.8% on transactions made on www.irctc.co.in and 2.5% on transactions at Indian Railways Booking Counters. The maximum railway surcharge waiver allowed in an anniversary year is ₹500.
REWARDSWhat changes are being made to reward point categories from June 1, 2025?
Effective June 1, 2025, several category-level caps and exclusions will apply: Zen Points on Education and Insurance will only be earned on spends up to ₹70,000 per statement cycle; Utility spends capped at ₹50,000; Government spends capped at ₹40,000 per statement cycle. Additionally, Zen Points will be completely discontinued on Wallet Load, Fuel, Rent, and Online skill-based gaming. Spends in these revised categories will also not count toward milestone benefits.
USAGECan I get an Add-on Card with the Zen Signature Credit Card?
Yes, the Zen Signature Credit Card allows you to add an Add-on Card for family members. The Add-on Card comes with all the same benefits as the primary card. You can set a customized spend limit on each Add-on Card and track spends separately for each card. You can apply for an Add-on Card through the Kotak Bank website or app.
BENEFITSWhat is the welcome gift on the Kotak Zen Signature Credit Card?
New cardholders receive a welcome gift of 1,500 Zen Points upon paying the joining fee of ₹1,500. This welcome gift is available only to cardholders who pay the joining fee and is not applicable on free or waived-fee cards. These points can be redeemed as per the Zen Points redemption program.
FEESHow can I waive the annual fee on the Zen Signature Credit Card?
The annual fee of ₹1,500 on the Zen Signature Credit Card is waived if you spend ₹1,50,000 or more on retail purchases in an anniversary year. This makes the card effectively free for moderate to active spenders. Ensure your spends are in eligible categories, as transactions like Wallet Load, Fuel, Rent, and Online skill-based gaming may not count toward the waiver threshold.
USAGEHow do I redeem Zen Points earned on the Zen Signature Credit Card?
Zen Points earned on the Kotak Zen Signature Credit Card can be redeemed through the Kotak Bank Mobile App or Net Banking portal. Points can typically be used for merchandise, gift vouchers, and other reward catalog options. The reward points are capped at 6,500 per billing cycle. For detailed redemption options and point value, visit the Kotak Bank credit card rewards section or contact customer care at 1800 4100 (toll-free).
INTERNATIONALHow do I activate international transactions on my Zen Signature Credit Card for lounge access?
To access international lounges, you need to activate international transactions (both Online and in-store/POS) using the Kotak Bank Mobile App or Net Banking. A Priority Pass Card is no longer required. Cards issued after June 1, 2023, can access international lounges starting June 20, 2023, simply by activating international transactions through the app or Net Banking before travel.
APPLICATIONHow can I apply for the Kotak Zen Signature Credit Card?
You can apply for the Kotak Zen Signature Credit Card directly through the Kotak Mahindra Bank website by clicking the 'Apply Now' button on the card page. You may also visit your nearest Kotak Bank branch or call the toll-free helpline at 1800 4100 for assistance. You can track your application status online through the 'Track Application Status' section on the Kotak Bank website.
OTHERHow can I reach Kotak Bank customer support for queries about my Zen Signature Credit Card?
Kotak Bank offers multiple customer support options for Zen Signature Credit Card holders. You can call the toll-free helpline at 1800 4100 for banking needs, complaints, and resolution. Alternatively, SMS 'KASSIST' to 5676788 and a representative will call you back within two hours. You can also email customersupport@kotak.com or use the chat option on the Kotak Bank website. The bank also offers a complimentary cheque pickup service for monthly dues.

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