Joining Fee

₹1,500

Annual Fee

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

Add-on Card Fee

₹250 per supplementary card

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

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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