Kotak Mahindra Bank Zen Signature Credit Card
Updated on August 20, 2026
🎖️Reward Rate
Accelerated cashback on select platforms
Overview
Apply for Zen Credit Card to earn balance rewards, travel & milestone benefits.✓1% Fuel Surcharge Waiver ✓Annual Travel Benefits ✓Welcome Gift ✓Priority Pass Access.
Rewards
Reward Type
Cashback
Reward Rate
Accelerated cashback on select platforms
Welcome Benefit
Get 10 Zen points for every ₹150 spent on shopping; with Kotak Zen Credit Card; Apply Now; Features; Claim your Rewards; Milestone Program; Value Chart; Fees and Charges; 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
Milestone Benefit
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; 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.; 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 Credit Card; Only the Primary Cardholder is eligible for the complimentary visits .; *Important Terms and conditions:; 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
Redemption
Redeem for flight/hotel bookings, brand vouchers, and statement cash credit
Benefits
- Comprehensive reward points, milestone waivers, and travel privileges
Things to Know Before you apply
Kotak Mahindra Bank Zen Signature Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried: > ₹35,000/month; Self-Employed: ITR > ₹6,00,000
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹1,500 |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (Min ₹500) |
Fee waiver: waiver on annual retail spends of ₹1,50,000
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The Apply Kotak Zen Credit Card - Kotak Bank issued by Kotak Mahindra Bank is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.
Pros
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
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- • Get 10 Zen points for every ₹150 spent on shopping
- • with Kotak Zen Credit Card
- • Apply Now
- • Features
- • Claim your Rewards
- • Milestone Program
- • Value Chart
- • Fees and Charges
- • 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
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • 2,000 bonus reward points (worth ₹500) on spending ₹5,000 within 60 days of card issuance + cashback of ₹100 on first transaction of ₹1,000+ on HP Pay App.
- • Accelerated cashback on select platforms
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • 24 Reward Points per ₹150 spent on HPCL fuel, LPG, and lubricants via HP Pay App (4% valueback + 1% surcharge waiver = 5% total savings)
- • 10 Reward Points per ₹150 spent on Groceries and Departmental Stores (up to 1,000 points/month)
- • 2 Reward Points per ₹150 spent on all other domestic retail categories
- • High value reward program
- • Wide merchant acceptance
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
- • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more
- • High value reward program
- • Wide merchant acceptance
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified