Kotak Zen Signature Credit Card
2 from 234 Users
2 from 234 Users
Earn 10 Zen Points on
shopping spends and 5 Zen Points on other eligible spends
Enjoy 2 complimentary domestic lounge
visits per quarter and 3 international lounge visits per calendar year
Earn bonus Zen Points
on annual spends: 7,500 points on ₹3 lakh or 15,000 points on ₹6 lakh, credited at the end of the anniversary year. Only one milestone benefit is applicable
Shopping
Joining Fees
₹1,770 ( ₹1500 + GST )
N/A
Annual Fees
₹1,770 ( ₹1500 + GST )
150000
Age Criteria
21-60 years
Salary Criteria
480000 LPA
Credit Rating*
720+
See if you are eligible for this card
Rewards Conversion Rate
1 Zen Point = ₹0.25
Redemption Options
Vouchers, statement credit, shopping, mobile recharge, travel, etc. (Min redemption: 2,000 points for cash)
To check redemption catalogue
N/A
All Benefits
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payment
Fuel Spends
Insurance Payments
EMI Spends
ATM Cash Withdrawals
Jewellery Purchases
Education Spends
Government-related Transactions
Wallet transactions
Load Money
Bank Charges & Fees
All Reversals
Gambling Transactions
Toll Payments
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
For Spends Waiver
Rent Payment
Fuel Spends
Insurance Payments
EMI Spends
ATM Cash Withdrawals
Jewellery Purchases
Education Spends
Government-related Transactions
Wallet transactions
Load Money
Bank Charges & Fees
All Reversals
Gambling Transactions
Toll Payments
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
| Structure | Details |
|---|---|
Forex Markups   3.5% Forex Markups are levied if you use your card to make payment in any currency other than INR. This fee will be levied if you shop on any ecomerce website which accepts payment in currency other than INR or if you make a payment outside of India using a POS. Below mentioned table gives forex markup for most common spends | 3.5% |
APR Fees 3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 45%
| 3.75% |
ATM Withdrawl 2.5% of the withdrawn amount, subject to a minimum charge of ₹500 | 2.5% |
Reward Redemption Fees | N/A |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1.8% is applied to transactions made for booking railway tickets. via IRCTC | 1.8% |
Rent Payment Fees A transaction charge of 1% is applicable on all rent payments | 1% |
Cheque Payment Fees 2% of the cheque bounce amount, subject to a minimum charge of ₹500 | 2% |
Cash Payment Fees ₹100 will be charged for all payments done via Cash | ₹100 |
| Late Payment Fees An additional Late Payment Charge of ₹100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹600 |
| ₹10001 - ₹25000 | ₹800 |
| ₹25001 - ₹50000 | ₹1000 |
| ₹50000 and above | ₹1200 |
TOP USPs
Earn 10 Zen Points on
shopping spends and 5 Zen Points on other eligible spends
Enjoy 2 complimentary domestic lounge
visits per quarter and 3 international lounge visits per calendar year
Apply Now