Kotak Zen Credit Card
Updated 3 Jul 2026Source-linked
The Kotak Zen Credit Card is a mid credit card from Kotak Mahindra Bank, with a joining fee of ₹1,500 + GST.
It earns up to 10 pts per ₹150 (≈0.7% value) on shopping spends in the form of zen points (points).
Cardholders get 2 quarterly domestic + 2 annual international airport lounge access.
Kotak Zen Credit Card
- Joining Fee₹1,500
- Annual Fee₹1,500
- Best Suited ForEveryday spends
- Reward TypeZen Points (points)
Rewards Rate
- 10 pts per ₹150 on shopping
- Base 0.33% on other spends
Welcome Benefits
- Not applicable
KotaksignaturemidRewards and Benefits
Rewards Rate
10 pts per ₹150 on shopping
Base 0.33% on other spends.
Reward Redemption
Kotak Zen Rewards: Redeem at ₹0.15 per unit.
Welcome Benefits
N/A
Milestone Rewards
- ₹3,00,000 / annual: 7,500 bonus Zen points on ₹3L spend (or 15,000 on ₹6L) per year
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
2 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹1,50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- mid card issued by Kotak Mahindra Bank.
- Joining / annual fee of ₹1,500 + GST, waived on annual spends of ₹1,50,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (2/quarterly) + international (2/annual).
Pros & Cons
Pros
- Annual fee waivable on ₹1,50,000 spend.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
Accelerated rewards
- 10 pts per ₹150 on shopping10 Zen Points per ₹150 on shopping (apparel, lifestyle goods, departmental stores & jewellery); 5 per ₹150 on other spends.
Capping rules
- Overall reward points capped at 6,500 per billing cycle.
- Education & insurance points only up to ₹70,000/statement; utility only up to ₹50,000/statement.
- No Zen points on wallet loads, fuel, rent, or online skill-based gaming.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- emi
Milestone benefits
- ₹3,00,000 / annual: 7,500 bonus Zen points on ₹3L spend (or 15,000 on ₹6L) per year (≈ ₹1,125 value)
Airport lounge access
Domestic
2 visit(s) / quarterly. Via visa, dreamfolks.
International
2 visit(s) / annual. Via priority-pass.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.
Sources
- : www.kotak.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.