All cards / Kotak Mahindra Bank
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.
Annual fee
₹1,500
Joining fee
₹1,500
Reward type
points
Base reward rate
1.5%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in dining, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1.5% base rate
- Domestic lounge access: 2 complimentary domestic airport lounge visits per quarter
- International lounge access: 3 complimentary international lounge visits per calendar year via Priority Pass (primary cardholder only)
Benefits by category
- 🍽️ Dining & food delivery
4% reward rate (capped ₹1,000/monthly)
- ✈️ Travel
2 complimentary domestic lounge visits per quarter
- 🛍️ Shopping
3% reward rate (capped ₹1,000/monthly)
- ⛽ Fuel
1% fuel surcharge waiver, capped at ₹250 per billing cycle
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹35,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- Foreign currency markup: 3%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver, capped at ₹250 per billing cycle
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
Related guides