Cards / Kotak Mahindra

Kotak MahindraKotak Zen Signature Credit Card

Kotak Zen Signature Credit Card Credit Card

Kotak Mahindra Bank · Shopping

Reviewed by Chandan Kumar Dash

10 Zen Points per Rs 150 on shopping, 5 Zen Points per Rs 150 on other spends; 1,500 Zen Points welcome gift.

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Joining fee

₹1,500

Annual fee

₹1,500

Waiver spend

₹1,50,000

Forex markup

3.5%

Fee waiver

Spend ₹1,50,000 in a card year and the next annual fee is waived.

That is about ₹12,500 a month.

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Offers on this card now

• Shopping
  Tata CLiQ

  12.5% instant discount on Tata CLiQ Fashion and Luxury

  Fashion: minimum ₹3,000, maximum discount ₹1,000, code TCFKOTAK. Luxury: minimum ₹7,500, maximum discount ₹2,500, code TCLKOTAK. Valid on select Kotak credit cards.

  Ends 30 NovBank's terms

See every bank on the card offers page. Checked 18 Oct from the bank's own pages; read the bank's terms before you pay.

How the app counts rewards

• 10 Zen Points per Rs 150 on apparel, lifestyle, department stores and jewellery
• 5 Zen Points per Rs 150 on education and insurance, up to Rs 70,000 spend a cycle
• 5 Zen Points per Rs 150 on utilities, up to Rs 50,000 spend a cycle
• 5 Zen Points per Rs 150 (all points capped at 6,500 a cycle)

No rewards on fuel, rent, wallet loads.

Airport lounges

• Domestic: 2 visits a quarter
• International: 3 visits a year

Domestic visits need Rs 75,000 spend in the previous calendar quarter; international via Priority Pass, primary cardholder only

Points

Zen Points, worth about ₹0.2 each on the usual redemption. Expire after 2 years.

Work out what your points are worth

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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