Kotak Zen Signature Credit Card
VisaKotak Zen Signature earns 10 reward points per ₹150 on international spends and 2 points on domestic spends, with unlimited lounge access.
Welcome Benefit
1,500 reward points on joining.
Estimated value: ₹1,500
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹1,500 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: Kotak Reward Points (points) · 1 point = ₹0.25
| Category | Earn Rate |
|---|---|
| International Spends | 10 reward points per ₹150 on international spends |
| Domestic Spends | 2 reward points per ₹150 on domestic spends |
Base reward points uncapped. Accelerated/bonus category points may be subject to monthly caps.
Points expire after 24 months
Lounge Access
Unlimited domestic lounge visits.
4 international lounge visits per year.
Travel Benefits
Discounted rates on flights and hotels when booked through the bank travel portal.
✓ Air miles conversion available
Complimentary travel insurance on purchase of international air tickets using this card. Covers trip cancellation, missed connection, and baggage loss.
Lifestyle Benefits
Dining Discounts
15–25% discount at partner restaurants through the bank's dining programme (EazyDiner/Dineout/bank portal). Valid on dine-in only.
via EazyDiner / Dineout
Value: ₹3,600
Insurance Cover
travel_insurance
Complimentary air accident cover of ₹50 lakh on purchasing air tickets using the card. Covers accidental death while travelling on a common carrier.
₹50 lakh air accident cover
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero LiabilityForex & Fuel
Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.
Eligibility
Salaried: ₹50,000+ per month. Self-employed: ₹7,50,000+ p.a. Age: 21–65.
Editor Rating
Pros
- + Strong air miles earning rate
- + Lounge access at major airports
- + Miles transferable to airline programs
Cons
- – High annual fee
- – Benefits require significant spend to be cost-effective
- – Miles have expiry dates
The Kotak Zen Signature Credit Card is a mid-range credit card from Kotak Mahindra Bank tailored for travel enthusiasts with miles earning and lounge access. At ₹1,500/year, the card is easily justified through fee waivers and regular usage benefits.