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Zen Signature Credit Card

We believe that every moment has tremendous possibilities. The art is in spending it well. We welcome you to a new way of living with the Kotak Zen Signature Credit Card. The Kotak Zen Signature Credit Card is designed to balance rewards, travel and milestone benefits in perfect harmony. So every moment you spend with the card is rewarding.

Earn 10 Zen points for every Rs. 150 spent on Shopping (Apparels, Lifestyle goods, Departmental Stores & Jewellery) & 5 Zen Points for every Rs. 150 on others spends

Get 7500 Bonus Zen points on crossing 3 lakh spends OR 15000 points on crossing 6 lakh spends every year

Enjoy Annual Fee waiver on annual retail spends of Rs.1,50,000

You can avail of a welcome gift of 1500 Zen points.

Zen points

Earn 10 Zen Points for every Rs. 150 spent on Shopping (Apparels, Lifestyle goods, Departmental Stores & Jewellery)
Earn 5 Zen Points for every Rs. 150 on all other spends.
The reward points earned on all transactions will be capped at 6,500 points per billing cycle

Shop more and earn more Zen Points

The Zen Signature Credit Card will complement the shopper in you. Every time you spend Rs 150 on Shopping (Apparels, Lifestyle goods, Departmental Stores & Jewellery), you earn 10 Zen Points*.
On all your other spends, you earn 5 Zen – except on Fuel, Cash spends and the transactions that you convert to EMI
The reward points earned on all transactions will be capped at 6,500 points per billing cycle

Bonus Zen points

15000 bonus ZEN Points on crossing annual spends of 6,00,000 - every year
For more details check out the Milestone tab click here

Welcome Gift

You can avail of a welcome gift of 1500 Zen points. This gift can only be realized upon paying the joining fees of Rs. 1500/-. It is not available on the free card

Domestic Lounge Access

Get 2 complimentary visits every quarter, to select Dream Folks Lounges only in India, by simply swiping your Credit Card
Enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi.
For list of lounges, Click here
Click here for applicable terms and conditions on Lounge Access.

International Lounge Access:

3 complimentary access per calendar year to Priority Pass International Lounges outside India
Get access to over 1300+ lounges by simply swiping your Kotak Zen Signature Credit Card
Only the Primary Cardholder is eligible for the complimentary visits, on making a minimum of 4 purchase transactions in the prior 12 month window.

*Important Terms and conditions:

4 purchase transactions (Online/Retail) are required to be carried out each calendar year to avail the benefit of 3 complimentary visits to Priority Pass International Lounge
Complimentary visits are applicable only for the primary card holders.
Visit validation charges of $1 will be debited. These will be credited back to your card within 7 working days.
USD 35 per person per visit will be charged for the guest.
After completion of the complimentary visits or access without meeting eligibility criteria, USD35 will be applicable for the primary holder as well.
For International Lounge Directory, Click here

For complete applicable terms and conditions on domestic and international lounge access, 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.
Credit Cards issued till June 01, 2023	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.
Credit Cards issued after June 01, 2023	Simply activate International transactions (Online & in store/ POS) using your Kotak Bank Mobile App or Net Banking and use your Kotak Credit Card. Please note that cards issued post June 01, 2023 can access international lounges starting June 20, 2023.

Fuel Surcharge Waiver

The 1% fuel surcharge waiver is applicable on transactions that range between Rs.500 and Rs.3000. Avail of a maximum fuel surcharge waiver of Rs.3500 in each anniversary year. Fuel transactions or spends do not bring you reward points.

Railway Surcharge Waiver

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 Rs.500/-.