The Kotak Zen Signature Credit Card offers a rewards program where cardholders can earn points, cashback, or other incentives for their spending on various categories such as dining, shopping, entertainment, etc. The card probably provides travel-related perks, such as airport lounge access, complimentary travel insurance, or discounts on flight and hotel bookings. Cardholders may receive additional rewards or bonuses when they reach specific spending milestones or achieve certain spending targets.


Zen Signature Credit Card, a perfect match for all the shopaholics out there! This credit card rewards you with Zen Points whenever you spend money on certain categories. For every Rs. 150 spent on Shopping (including Apparels, Lifestyle goods, Departmental Stores & Jewellery), you’ll earn 10 Zen Points. On all other purchases, you’ll still earn 5 Zen Points for every Rs. 150 spent, except for Fuel, Cash spends, and converted EMI transactions. But that’s not all! There are additional bonuses waiting for you. If you cross an annual spend of Rs. 6,00,000, you’ll get a fabulous 15,000 bonus Zen Points every year. And as a warm welcome, upon joining, you can claim 1,500 Zen Points. Just remember that this welcome gift is available only if you pay the joining fees of Rs. 1,500.

Travelers will also love the complimentary access to domestic airport lounges in India. You get up to 8 free visits to DreamFolks lounges every year (2 per quarter). For international travelers, you can enjoy 3 complimentary access per calendar year to Priority Pass International Lounges outside India. This access is available at over 1300+ lounges worldwide by simply using your Kotak Zen Signature Credit Card. The primary cardholder is eligible for these lounge benefits with a minimum of 4 purchase transactions in the past 12 months.

Save on fuel surcharges too! You’ll get a 1% fuel surcharge waiver on transactions ranging from Rs. 500 to Rs. 3000. Additionally, you can avail a maximum fuel surcharge waiver of Rs. 3500 each year. However, keep in mind that fuel transactions won’t earn you any reward points.

Train travelers will appreciate the savings as well. The card provides a railway surcharge waiver of 1.8% on transactions at www.irtc.co.in and 2.5% for transactions at Indian Railways Booking Counters. The maximum railway surcharge waiver allowed in an anniversary year is Rs. 500.

Just SMS “KASSIST” to 5676788, and we’ll call you back within two hours. Plus, we offer a convenient complimentary cheque pickup service to make paying your monthly dues hassle-free.

If you have family members or loved ones who would benefit from the same perks, you can get an add-on card for them. Add-on Cardholders enjoy the same benefits as the primary cardholder, and you can set individual spend limits and track their expenses separately. We’ve implemented advanced security features to protect your transactions. Your Zen Signature Credit Card comes with an embedded EMV Chip for enhanced security. For added protection, all transactions require a 6-digit PIN authentication.


Kotak Rewards – a special program for Kotak credit card users that makes earning and using reward points easier. With Kotak Rewards, you can earn points on your credit card purchases and use them for various exciting benefits.

What can you do with Kotak Rewards?

Redeem Points for Mobile Recharge: Use your points to recharge your mobile phone or pay your mobile bills.

Shop with Points: Browse through a selection of 10,000 products and buy them using your accumulated points.

Get E-Vouchers: Exchange your points for electronic vouchers from popular brands.

Enjoy Movies with BookMyShow Vouchers: Treat yourself to a movie night using your reward points.

Travel Perks: Use your points to cover some travel expenses.

Pay with Reward Points: Beyond the usual redemptions, you can also use your reward points to make payments directly, without needing cash or your credit card. The specific redemption options and points value might vary depending on your Kotak credit card and the program’s terms and conditions.


Earn Bonus Zen Points on Every Transaction: With the Zen points reward program, you earn Zen points on every transaction you make using your card. These points can be redeemed for rewards, discounts, or other benefits.

Additional Bonus Zen Points for Meeting Spending Milestones: In addition to the regular Zen points, you can also earn bonus Zen points by achieving specific spending milestones within a single anniversary year.

Spend Rs. 3,00,000 in a Year: When you spend Rs. 3,00,000 in a single anniversary year, you will receive 7500 bonus Zen points.

Spend Rs. 6,00,000 in a Year: If you spend Rs. 6,00,000 in a single anniversary year, you will earn 15000 bonus Zen points.

Crediting of Bonus Zen Points: The bonus Zen points will be credited to your card account at the end of the anniversary period based on the eligible milestone you achieve. You will only be eligible for bonus points based on one of the milestones during the anniversary year.

Understanding the Milestone Period: The milestone period refers to the timeframe within a single anniversary year. For example, if your card’s anniversary date is 1st January, the milestone period for that year would be from 1st January to 31st December.

Transaction Consideration: All transactions settled during the milestone period will be considered for the milestone benefits. For instance, if the milestone period is from 1st January 2023 to 30th June 2023, only the transactions settled within this time frame will count towards the milestone benefits. Transactions settled after 30th June 2023 will be considered in the next milestone period.


Visa payWave, a fast and secure way to pay with your Kotak ZenCredit Credit Card. It allows you to make quick transactions up to Rs. 5000 without needing to enter a PIN. Just wave your credit card near the payment terminal, and your payment is done. With Visa payWave, you can have peace of mind knowing that it’s a safe and secure method. You don’t need to hand over your card to the merchant, reducing the risk of losing it or encountering counterfeit issues. Security is a top priority, as multiple layers of protection are in place to safeguard your financial information and prevent fraud. This ensures that you are protected from any unauthorized transactions. Experience the convenience of Visa payWave for smoother and faster payments on small purchases. It’s a great addition to your Kotak ZenCredit Credit Card, making your shopping experience more enjoyable.


Age: You must be between 21 and 65 years old to be the primary credit card holder.

Location: The credit card is available for residents of specific cities: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune.

Income: Your net annual income should be at least Rs. 4.8 lakh or more.

Citizenship: You must be a resident of India.


Joining Fee: When you first activate your credit card, you’ll be charged a one-time Joining Fee of Rs. 1500.

Annual Fee: Each year, you’ll have to pay an Annual Fee of Rs. 1500.

Fee Waivers: If you spend Rs. 1.5 lakh or more on retail purchases during the year, you can get the Annual Fee waived for the first and second years.

Addon Card Fee: If you want an additional card for someone else, there will be a fee of Rs. 299 for each extra card.

Interest Charges: If you don’t pay your credit card bill in full every month, you’ll be charged 3.5% interest per month (annualized to 42%) on the outstanding balance.

Minimum Amount Due: Your credit card statement will show the Minimum Amount Due, which can be either 5% or 10% of the Total Amount Due (TAD), as decided by the bank.

ATM and Cash Transactions: If you withdraw cash from an ATM, request a draft or fund transfer, or take a cash advance of Rs. 10,000 or more, you’ll be charged Rs. 300.

Late Payment Charges: If you don’t make the minimum payment on time, you’ll be charged Rs. 100 for outstanding balances up to Rs. 500, Rs. 500 for balances between Rs. 500.01 and Rs. 10,000, and Rs. 700 for balances above Rs. 10,000.

Over Limit Charge: If you exceed your credit limit, there will be an Over Limit Charge of Rs. 500.

Cheque Bounce Charges: If any cheques you issue bounce or get dishonored, you’ll be charged Rs. 500.

Foreign Currency Markup: For transactions in foreign currency, you’ll be charged an additional 3.5% of the transaction amount.

Surcharge Waivers: The credit card offers some benefits like waiving the surcharge on railway bookings and fuel transactions.

Fee for Cash Payment at Bank: If you make a cash payment at the bank, there will be a fee of Rs. 100.

Outstation Cheque Processing Fee: There’s no fee for processing outstation cheques.

Reissue/Replacement Card Fee: If you need to get your card reissued or replaced, it will cost Rs. 100.

Charge Slip Request: You won’t be charged for requesting charge slips.

ATM Fees: You won’t be charged any surcharge for using ATMs, and there won’t be any fee for balance inquiries at non-parent bank ATMs.

Duplicate Statement Request: If you need a duplicate statement, you won’t be charged for it.

Web Pay Service Fee: You won’t be charged for using web pay services.

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