Explore the Best of Kotak Zen Signature Credit Card

The Kotak Zen Signature credit card is a shopping credit card and offers accelerated rewards and benefits on lifestyle and travel spends. First-time applicants receive a welcome benefit of 1,500 Zen points upon joining. This credit card also offers other benefits and waivers. Read on to know more about it.

Key Privileges of the Kotak Zen Signature Credit Card 

Here is a list of the Kotak Zen Signature credit card features:

• Avail 10 Zen points for every ₹150 spent on shopping (lifestyle, apparel, departmental stores, goods and jewellery).
• Get 5 Zen points for every ₹150 on other expenses.
• Get a bonus of 7,500 Zen points on crossing a threshold of ₹3 lakh spends every year.

Note: The reward points are all capped at 6,500 points for every billing cycle.  

Other Kotak Zen Signature Credit Card Benefits

• On quarterly spends of ₹75,000 and above, enjoy 2 domestic airport lounge accesses in the next calendar quarter.
• Get 3 complimentary international lounge access per calendar year by simply swiping your Kotak Zen Signature credit card at POS, online or in-store.
• 1% fuel surcharge waiver on transactions between the range of ₹500 and ₹5,000. You can avail a maximum fuel surcharge waiver of ₹3,500 in an anniversary year.
• Get a 1.8% railway surcharge waiver for transactions made via the IRCTC website. 
• Get a 2.5% railway surcharge waiver for transactions made on Indian Railway booking counters. 

Note: The maximum railway surcharge waiver allowed every anniversary year is ₹500.

Must reads

All You Need to Know About Bank of Maharashtra Credit Card

• 3 Dec 25
• 5 mins

Adani One ICICI Signature Credit Card: Features, Benefits, Fees & Charges

• 22 Dec 25
• 3 mins

Applicable Terms and Conditions on Zen Points 

• The redemption value of Zen points is ₹0.20 per point.
• An applicant needs a minimum of ₹2,000 worth of Zen points for a cash value redemption. 
• For redemptions on categories like mobile recharges and shopping, 1 Zen Point is worth ₹0.25.

Fees and Charges Associated with Kotak Signature Credit Card

💡Worried about late payment charges? Download the Pice app to manage your credit card bill payments seamlessly and stay on top of due dates with ease!

Eligibility Criteria of the Kotak Zen Signature Credit Card

• The primary cardholder needs to be in the age bracket of 21 to 60 years. The add-on cardholders need to be above 18 years of age.
• Only people residing in these regions can apply: Pune, Mumbai, Kolkata, Hyderabad, Delhi (Noida and Gurgaon), Chennai, Chandigarh, Bangalore and Ahmedabad.
• Applicants need to be residents of India.
• Applicants need to have a net income of ₹4.8 lakhs and above (yearly).

Must reads

HDFC Freedom Credit Card: Benefits, Fees & Charges

• 9 Dec 25
• 6 mins

How to Convert Credit Card Points to Airline Miles for Maximum Rewards

• 24 Oct 25
• 12 mins

Who Should Opt for the Kotak Zen Signature Credit Card?

• Frequent shoppers who spend heavily on lifestyle, jewellery, fashion and departmental store categories year-round.
• Best suited for travellers seeking complimentary domestic and international airport lounge access.
• Great for users crossing annual spending thresholds to maximise milestone rewards and waive yearly card fees.
• Useful for people who prefer flexible reward point redemption options such as travel bookings, vouchers, shopping and recharges.

Process to Apply for the Kotak Zen Signature Credit Card

Follow these simple steps to apply for the Kotak Zen Signature Credit Card online: 

Step 1: Head over to the official page of Kotak Mahindra Bank. Then navigate to ‘Personal’ > ‘Card’ > ‘Credit Card’.

Step 2: Scroll down to get the Kotak Zen Signature credit card option and click on ‘Apply Now’. 

Step 3: Next, you will be redirected to a page where you have to provide your mobile number and enter an OTP for verification. 

Step 4: Enter your personal details such as date of birth, gender and email address. After this, you may have to enter a few more of your personal details. 

Step 5: After entering all the details, you will have to select the address where you would like your Kotak Zen Signature credit card to be delivered.

Step 6: Finally, you will have to go through a process of digital KYC, where you need to show your PAN or Aadhaar and upload photographs for verification. 

This is the final step after which you will get your credit card delivered to you.

💡For timely bill payments and tracking business transactions, use the PICE App.

Conclusion

The Kotak Zen Signature Credit Card is a well-rounded option for shoppers and travellers seeking accelerated rewards, lounge access, and milestone benefits. With flexible Zen point redemption and lifestyle-focused perks, it suits high spenders looking to maximise value across shopping, travel, and everyday expenses.

FAQs