LTF

🎁 Get up to ₹1,000 Amazon Voucher on select credit cards!

See Eligible Cards →
Kotak Zen Signature Credit Card
Visa 📡 Contactless NFC

Kotak Zen Signature Credit Card

Joining Fee₹1,500
Annual Fee₹1,500
Forex Markup 3.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

Lifestyle shoppers and international spenders looking for 1.67% rewards on fashion and departmental stores, 8 domestic + 3 international lounge visits, and milestone bonus points.

Who Should Avoid

Users who cannot meet the ₹75,000 quarterly spend threshold for domestic lounge visits.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

1,500 bonus Zen Points (worth ₹375) upon payment of joining fee and completing first retail transaction within 30 days

10 Zen Points on Shopping & International Spends

Earn 10 Zen Points per ₹150 (1.67% return) on Apparel, Lifestyle, Departmental stores, and International spends.

Domestic & International Airport Lounge Access

8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter on min ₹75,000 quarterly spend) + 3 international lounge visits per year.

Milestone Bonus Zen Points

Earn up to 30,000 bonus Zen Points (worth ₹7,500) on achieving annual spend milestones.

💰 Reward Structure & Point Valuation

1 Zen Points = ₹0.25
Standard Base Earning
5 Zen Points per ₹150 spent on all other retail transactions (0.83% return; 1 Zen Point = ₹0.25)
Accelerated / Partner Rate
10 Zen Points per ₹150 (1.67% return; 1 Zen Point = ₹0.25) on Apparel, Lifestyle, Departmental stores, and International spends (capped at 6,500 points/billing cycle); Milestone bonuses: 7,500 points on ₹3L spend, 15,000 points on ₹6L spend (total 30,000 bonus points/year)
Points Validity:24 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: 1:1 Air Mile Transfers (Air India, Flying Returns), Kotak Rewards Catalog (Brand Vouchers & Electronics), Direct Statement Cash Adjustment (1 Zen Point = ₹0.25)
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads Rent Payments Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active
🛫
Domestic Lounge Visits8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter)
🌐
International Lounge Visits3 complimentary international airport lounge visits per calendar year via Priority Pass
⚠️

Spend Criteria: Requires minimum retail spend of ₹75,000 in the previous calendar quarter for domestic lounge access

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹150,000/yr
Annual renewal fee of ₹1,500 + GST is waived off on spending ₹1,50,000 or more in the previous anniversary year
UPI Payments Support✗ Not Supported
UPI not supported on Visa network
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 60 Years
Min. Monthly Income₹30,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,200
Official Bank Portal Application

Get the Kotak Zen Signature Credit Card

Annual Fee: ₹1,500/yr (Waivable)

Personalized Card Matcher

Still Confused About Your Best Match?

Don’t guess your cashback. Tell CardGuru your monthly grocery, UPI, and online shopping spends to calculate your exact net rupee returns in 10 seconds.

⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial
Ask CardGuru Now→Takes less than 15 seconds

🔍 Related Credit Card Collections

Best Credit Cards for 720 CIBIL Score LTF Cards for Salary Under ₹30,000 All Kotak Mahindra Bank Credit Cards Lounge Access Credit Cards Best Visa Credit Cards

Frequently Asked Questions

No, Kotak Zen Signature Credit Card has a joining fee of ₹1500 and an annual renewal fee of ₹1500 (plus applicable taxes).