SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for shopping and lifestyle.
Why it can work
It combines complimentary airport lounge access and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 1.5 lakh of annual spend. Fuel, rent, and wallet loads don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many Zen Points you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Zen Points/yr |
|---|---|---|
| Utility bills | Rs 3,000 | 1,200 |
| Other spends | Rs 8,000 | 6,400 |
| Insurance | Rs 2,000 | 800 |
| Education | Rs 3,000 | 1,200 |
| Tax / Government payments | Rs 2,000 | 800 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for airport lounge access
11 complimentary lounge visits a year across domestic and international.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| 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
| Voucher partner | Programme / collection | Ratio |
|---|---|---|
| Brand e-Vouchers | Brand e-vouchers via Kotak Rewards | 1 Zen Point = Rs 0.25 |
| Travel bookings | Flight & hotel bookings via Kotak Rewards | 1 Zen Point = Rs 0.25 |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 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.
- 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.
Exclusions
Categories that earn no rewards on this card.
- Wallet loading transactions
- Fuel spends
- Rent payments
- Online skill-based gaming transactions
- EMI transactions
- Cash advance / withdrawals
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 1,500 bonus Zen Points (worth Rs 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: Rs 5,00,000
- Resident of India
Self-employed
- Age: 21 to 60 years
- Minimum Annual Income: Rs 5,00,000
- Resident of India
Compare before you decide
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