Zen Signature Credit Card
Rs 1,500Annual fee
Rs 1,50,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 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.
3.5%Forex markup
Best for
shopping, lifestyle, milestone rewards
Top rewards
Shopping spends (Apparel, Lifestyle, Departmental Stores & Jewellery): 10 Zen Points / ₹150 spent on shopping; Other eligible retail spends: 5 Zen Points / ₹150 spent; Education spends: 5 Zen Points / ₹150 spent
Kotak League Platinum Credit Card
Rs 499Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
movies, shopping, mid-tier rewards
Top rewards
Special Categories (Travel, Airlines, Department Stores, Electronics & Durable Goods): 8 Reward Points / ₹150 spent on special categories; Other eligible spends (under ₹2 Lakhs annual spends): 4 Reward Points / ₹150 spent; Other eligible spends (above ₹2 Lakhs annual spends): 8 Reward Points / ₹150 spent
| Feature | Zen Signature Credit Card | Kotak League Platinum Credit Card |
|---|---|---|
| Issuer | Kotak Mahindra Bank | Kotak Mahindra Bank |
| Network | Visa | Visa |
| Joining fee | Rs 1,500 | Rs 499 |
| Annual fee | Rs 1,500 | Rs 499 |
| Fee waiver spend | Rs 1,50,000 | Rs 50,000 |
| Reward type | Zen Points | Kotak Reward Points |
| Best for | shopping, lifestyle, milestone rewards | movies, shopping, mid-tier rewards |
| Top reward categories | Shopping spends (Apparel, Lifestyle, Departmental Stores & Jewellery): 10 Zen Points / ₹150 spent on shopping; Other eligible retail spends: 5 Zen Points / ₹150 spent; Education spends: 5 Zen Points / ₹150 spent | Special Categories (Travel, Airlines, Department Stores, Electronics & Durable Goods): 8 Reward Points / ₹150 spent on special categories; Other eligible spends (under ₹2 Lakhs annual spends): 4 Reward Points / ₹150 spent; Other eligible spends (above ₹2 Lakhs annual spends): 8 Reward Points / ₹150 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 8 | 0 |
| International lounge | 3 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 0.2 per point | Statement credit: upto Rs 0.07 per point |
| Key exclusions | Wallet loading transactions, Fuel spends, Rent payments, Online skill-based gaming transactions, EMI transactions, Cash advance / withdrawals | Fuel spends, Rent payments, E-wallet loading transactions, Online skill-based gaming transactions, Insurance spends, Government spends |