Kotak Zen Signature Credit Card: A Comprehensive Guide

Every moment has immense potential, and the Kotak Zen Signature Credit Card is designed to make each one rewarding. With an excellent mix of rewards, travel perks, and milestone benefits, this card brings a well-rounded approach to premium living.

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Fees and Charges

Eligibility Criteria

• Age: Primary cardholder (21–65 years); Add-on cardholder (18+ years).

• Location: Available in major cities, including Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune.

• Income: Minimum ₹4.8 lakh per annum.

• Residency: Indian residents only.

Key Features and Benefits

Reward Points

• Earn Points:

  • 10 Zen Points for every ₹150 spent on Shopping (Apparels, Lifestyle goods, Departmental Stores, Jewellery).

  • 5 Zen Points for every ₹150 spent on other transactions.

Note: Fuel, cash spends, and transactions converted to EMI do not earn reward points.

• Reward Point Value: 1 Zen Point = ₹0.25.

• Reward Points Cap: Maximum 6,500 points per billing cycle.

Welcome Gift

• Earn 1,500 Zen Points as a welcome gift upon payment of the joining fee of ₹1,500.

Bonus Points (Milestone Benefits)

Note: Bonus points are credited at the end of the anniversary year. Only one milestone is rewarded per year.

Lounge Access

Domestic Lounge Access

• 2 complimentary visits per quarter to DreamFolks lounges in India.

• Minimum quarterly spend of ₹60,000 is required to avail of lounge benefits in the next quarter for lifetime free cardholders.

Lounge List: Download the Domestic Lounge List

International Lounge Access

• 3 complimentary visits per calendar year to Priority Pass lounges outside India.

• Eligibility: At least 4 transactions (online/retail) in the preceding 12 months.

• Visit Validation Charge: $1 (refunded within 7 days).

• Guest Fee: $35 per person per visit.

Lounge List: Download the International Lounge List

Note: Use your credit card directly for lounge access.

Fuel Surcharge Waiver

• 1% waiver on fuel transactions between ₹500–₹3,000.

• Maximum waiver: ₹3,500 per anniversary year.

• Note: Fuel transactions do not earn reward points.

Railway Surcharge Waiver

• 1.8% waiver on www.irctc.co.in transactions.

• 2.5% waiver on bookings made at Indian Railways counters.

• Maximum waiver: ₹500 per anniversary year.

Priority Assist

• For assistance, SMS "KASSIST" to 5676788 to get a callback within two hours.

Safety and Security Features

• Embedded EMV Chip for enhanced security.

• 6-digit PIN authentication for transactions.

Rewards Redemption

• Kotak Rewards Portal: Redeem points for mobile recharges, shopping (10,000+ products), e-vouchers, movies (BookMyShow), travel, and more.

• PayByPoints: Instantly convert reward points into currency at merchant outlets.

Terms and Conditions Highlights

1. Lounge benefits are available only for the primary cardholder.

2. Complimentary lounge visits require meeting eligibility criteria; otherwise, USD 35 per visit applies.

Is the Kotak Zen Signature Credit Card Worth It?

This card is ideal for individuals seeking a balanced mix of rewards and travel benefits. With moderate spending requirements, the annual fee waiver and milestone bonuses add significant value for frequent spenders.

Pros:

High reward points on shopping categories.

Complimentary lounge access (domestic and international).

Milestone bonuses for achieving annual spend targets.

Cons:

Reward points cap per billing cycle.

Lounge access tied to minimum spend requirements.

Conclusion:

Overall, the Kotak Zen Signature Credit Card is a solid option for those who want to enjoy premium benefits without hefty spending commitments.