All cards / Kotak Mahindra Bank
Kotak Mahindra Bank
Kotak Zen Signature Credit Card
Visa
Kotak Zen Signature Credit Card
A balanced mid-tier Kotak card sitting between League Platinum and White, with dining/online multipliers and quarterly domestic lounge access for a ₹999 fee.
Rates and fees last verified 15 July 2026.
Annual fee
₹999
Joining fee
₹999
Reward type
points
Base reward rate
1.5%
Card network
Visa
Card tier
Mid
Reward rates by category
- Dining4% (capped ₹1,000/monthly)
- Online shopping3% (capped ₹1,000/monthly)
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹35,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 2 complimentary domestic lounge visits per quarter
- 1% fuel surcharge waiver, capped at ₹250 per billing cycle
Pros
- + Solid dining and online-shopping reward rates
- + Domestic lounge access included
- + Reasonable fee-waiver threshold
Cons
- − No international lounge access
- − Average forex markup
Applying takes you to Kotak Mahindra Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.