Zen Signature Credit Card

Rewards, as stated by the issuer

• Milestone Program
• Make every shopping moment more rewarding with the Kotak Zen Credit Card. Earn 10 Zen Points for every ₹150 spent on shopping while enjoying a perfect balance of rewards, travel perks, and milestone benefits.
• Earn 10 Zen points for every ₹150 spent on Shopping (Apparels, Lifestyle goods, Departmental Stores & Jewellery) & 5 Zen Points for every ₹150 on others spends
• Earn 10 Zen Points for every ₹150 spent on Shopping (Apparels, Lifestyle goods, Departmental Stores & Jewellery)
• Earn 5 Zen Points for every ₹150 on all other spends.
• The reward points earned on all transactions will be capped at 6,500 points per billing cycle
• Revision on Reward Points
• a. Spends on above categories will not be considered when calculating milestone benefits
• The Zen Credit Card will complement the shopper in you. Every time you spend ₹150 on Shopping (Apparels, Lifestyle goods, Departmental Stores & Jewellery), you earn 10 Zen Points.
• On all your other spends, you earn 5 Zen points – except on Wallet Load, Fuel, Rent, Online skill-based gaming and the transactions that you convert to EMI.
• Earn 7500 Zen points on annual spends of ₹3,00,000 and additional 7500 Zen points on annual spends of ₹6,00,000
• For more details check out the Milestone tab click here
• Earn vouchers that can be redeemed on premium brands on meeting spend milestones

Other benefits

• Welcome to a new way of living!
• Education and Insurance
• Enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi.
• Only the Primary Cardholder is eligible for the complimentary visits .
• Complimentary visits are applicable only for the primary card holders.
• After completion of the complimentary visits or access without meeting eligibility criteria, USD35 will be applicable for the primary holder as well.
• Priority Pass Cards can be used till June 19, 2023. From June 20, 2023, simply activate International transactions (Online & in store/ POS) using your Kotak Bank Mobile App or Net Banking and use your Kotak Credit Card.
• Priority attend
• Call for complimentary cheque pickup
• Earn unlimited 2.5 Mojo points for every Rs. 100 on online spends and 1 Mojo point for every Rs. 100 on other spends.
• Special introductory offer – Spend Rs. 30,000 within the first 60 days of setting up the Card and receive a voucher worth Rs. 1,500

Welcome & milestones

Lounge access

Domestic: Enjoy complimentary domestic and international airport lounge access · Domestic Lounge Access · Please note, w.e.f. 01st June 2025, customer needs to meet the quarterly spends of ₹75,000 or more to enjoy 2 Domestic Airport Lounge accesses in the next calendar quarter · 3 complimentary* access per calendar year to Priority Pass International Lounges outside India

International: Enjoy complimentary domestic and international airport lounge access · International Lounge Access · 3 complimentary* access per calendar year to Priority Pass International Lounges outside India · For International Lounge Directory, Click here · Good news! Enjoy access to international lounges directly with your Kotak Credit Card. Priority Pass Card will no longer be required. W.e.f June 02, 2023, issuance and renewal of Priority Pass Card will be discontinued.

Programme: Priority Pass

Every fee line found on the page

• Enjoy Annual Fee waiver on annual retail spends of ₹1,50,000
• Earn 7500 Zen points on annual spends of ₹3,00,000 and additional 7500 Zen points on annual spends of ₹6,00,000
• You can avail of a welcome gift of 1500 Zen points. This gift can only be realized upon paying the joining fees of ₹1500/-. It is not available on the free card
• Please note, w.e.f. 01st June 2025, 1% fuel surcharge waiver is applicable on transactions that range between ₹500 and ₹5000, allowing you to avail a maximum fuel surcharge waiver of up to ₹3,500 in an anniversary year.
• Save railway surcharge of 1.8% for transactions on www.irtc.co.in and 2.5% for transactions on Indian Railways Booking Counters. The maximum railway surcharge waiver that is allowed in a anniversary year is ₹500/-.