Kotak Zen Signature Credit Card

The Kotak Zen Signature Credit Card is Kotak Mahindra Bank's premier shopping and lifestyle card, engineered specifically for consumers with significant expenditure on fashion, departmental stores, and jewelry. Cardholders earn accelerated 10 Zen Points per ₹150 spent on apparel, lifestyle goods, departmental stores, and jewelry (1.67% return at 1 Zen Point = ₹0.25). On all other eligible retail spending, the card yields 5 Zen Points per ₹150 (0.83% return). Shopping rewards are capped at a generous 6,500 Zen Points per billing cycle, allowing up to ₹97,500 in monthly accelerated spend. The card also features structured milestone rewards: spending ₹3 Lakhs in an anniversary year unlocks 7,500 bonus Zen Points, while crossing ₹6 Lakhs delivers an additional 7,500 bonus points (total 15,000 bonus points worth ₹3,750). Travel privileges are notable for a ₹1,500 fee product: cardholders receive 8 complimentary domestic airport lounge visits annually (2 per quarter) and a complimentary Priority Pass membership with 3 free international lounge visits per calendar year. Furthermore, the ₹1,50,000 annual spend waiver threshold for the ₹1,500 renewal fee is reasonable. On the downside, cash/statement credit redemption yields a reduced ₹0.10 per point, points on fuel, rent, wallet loads, and online gaming have been discontinued, and the card carries a standard 3.50% foreign exchange markup. Who should consider it: Fashion-conscious urban professionals, family shoppers, and domestic travelers spending ₹25,000 to ₹50,000 monthly primarily on clothing, lifestyle, and lifestyle brands. Who should look elsewhere: Spenders seeking direct statement cashback or zero-forex international privileges.

Additional Cardholder Privileges

Mandatory Verification Documents