Kotak Mahindra Bank
Zen Signature Credit Card
SimplifyCards take:A good fit if you want a card built for shopping and lifestyle
✓
Best for airport lounge accessBest for
11 complimentary lounge visits a year across domestic and international
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
✦
Good fit if you want a card built for shopping and lifestyleBottom line
It combines complimentary airport lounge access and milestone rewards
Estimate your Zen Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Zen Points rates
| Category | Rate | Monthly cap |
|---|---|---|
| Shopping Spends (Apparel, Lifestyle, Departmental Stores & Jewellery) | 10 Zen Points / ₹150 spent on shopping | 6,500 Zen Points |
| Other Eligible Retail Spends | 5 Zen Points / ₹150 spent | 6,500 Zen Points |
| Education Spends | 5 Zen Points / ₹150 spent | 2,333 Zen Points |
| Insurance Spends | 5 Zen Points / ₹150 spent | 2,333 Zen Points |
| Utility Spends | 5 Zen Points / ₹150 spent | 1,666 Zen Points |
| Government Spends | 5 Zen Points / ₹150 spent | 1,333 Zen Points |
Redemption
Statement balanceupto ₹ 0.2 per point
Vouchersupto ₹ 0.25 per point
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Brand e-Vouchers | Brand e-vouchers via Kotak Rewards | 1 Zen Point = ₹0.25 |
| Travel bookings | Flight & hotel bookings via Kotak Rewards | 1 Zen Point = ₹0.25 |
Important conditions
1
Domestic lounge8 visits per year
- 8 complimentary domestic lounge visits per year (max 2 per quarter)
- Spend-gated: requires spends of ₹75,000 or more in the previous calendar quarter to unlock access
2
International lounge3 visits per year
- 3 complimentary international lounge visits per calendar year for the primary cardholder
- Priority Pass card no longer required; access international lounges using the credit card directly
3
Milestone7,500 bonus Zen Points (worth ₹1,875) on spending ₹3 Lakhs annually
4
Milestone7,500 additional bonus Zen Points (worth ₹1,875) on spending ₹6 Lakhs annually
5
Fee waiverRenewal fee waived on annual spends of ₹ 1.5 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- 1,500 bonus Zen Points (worth ₹375) upon payment of joining fee
Additional benefits
- 1% fuel surcharge waiver on transactions between ₹500 and ₹5,000 (max ₹3,500 per anniversary year)
- Railway surcharge waiver (max ₹500 per anniversary year)
- KASSIST: Priority assistance within 2 hours by SMSing 'KASSIST' to 5676788
Additional details
- Zen Points can be redeemed for flight and hotel bookings, or brand e-vouchers via the Kotak Rewards portal at a rate of 1 Zen Point = ₹0.25
- Zen Points can also be redeemed as statement credit (cashback) at a rate of 1 Zen Point = ₹0.20
- A minimum of 2,00,000 Zen Points is not required; a minimum of 2,000 Zen Points is required for statement credit (cashback) redemptions, and a minimum of 300 Zen Points is required for vouchers
Eligibility
Check this before you apply
Salaried
- Age: 21 to 60 years
- Minimum Annual Income: ₹5,00,000
- Resident of India
Self-employed
- Age: 21 to 60 years
- Minimum Annual Income: ₹5,00,000
- Resident of India
Exclusions
Spending that does not earn zen points
- Wallet loading transactions
- Fuel spends
- Rent payments
- Online skill-based gaming transactions
- EMI transactions
- Cash advance / withdrawals
Compare before you decide
Alternatives based on what you might want instead