Kotak Zen Signature Credit Card

Rewards

• Rewards rate

  10 Zen Points/₹150 Spent on Apparels, Lifestyle Goods & Jewellery. 5 Zen Points/₹150 on All Other Spends

• Welcome benefits

  1,500 Zen Points

• Reward redemption

  1 Zen Point = Rs 0.25 redemption with the Kotak Reward program, you can redeem these reward points for exclusive vouchers and special discounts on partner deals and offers. You also can redeem these reward points and convert them into cash to pay for your shopping spends at partner merchant outlets

Benefits

• Travel

  Complimentary Lounge Access Worldwide

• Domestic lounge

  8 Complimentary Domestic Lounge Access Every Year (Spend-Based)

• International lounge

  3 Complimentary International Lounge Visits

Fees & charges

• Spend-based waiver

  You can get an annual fee waiver of Rs 1500 on the spending of Rs 1,50,000

• Rewards redemption fee

  Nil

• Foreign currency markup

  3.5%

• Interest rates

  3.75% Per Month (45% Per Annum)

• Fuel surcharge waiver

  1% fuel surcharge waiver on transactions between Rs 500 and Rs 3000

• Cash advance charges

  2.5% or Minimum of ₹500

Product highlights

• 1500 Zen Points on Payment of Joining fees
• 8 Complimentary Domestic Lounge Access every year
• 3 Complimentary International Lounges
• 7500 bonus Zen Points on annual spending of Rs 3,00,000
• 15000 bonus Zen Points on annual spending of Rs 6,00,000
• Annual fee waiver on the annual spending of Rs 1,50,000 or above
• 1% fuel surcharge waiver on transactions between Rs 500 and Rs 3000

FAQs