Card Image
Kotak Zen Signature
Annual Fee
₹3,000
Rewards/₹100 ⓘ
₹0.70 - ₹2.10
Normalized to balance base rate with bonus categories
Interest Rate
42.00%
Credit Score
700+
At a Glance
Key Benefits
3X rewards on dining, lounge access
Lounge Access
8 domestic lounges per year
Eligibility
Income: Rs 6L+/year, CIBIL: 700+
Quick Details
Annual Fee
₹3,000
#248
Joining Fee
₹3,000
#248
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.70 - ₹2.10
#142
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+
#54
Min Monthly Income ₹50
Network VISA
Late Payment Fee ₹500
Cash Advance Fee 2.50% (min ₹300)
Fee Waiver on Spend ₹2,00,000/yr
Reward Structure
Base
All Spends
₹0.70 /₹100
Cat
Dining
₹2.10 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Insurance Coverage
Lost Card
₹0
Zero liability.
Quick Analysis
The Kotak Mahindra Bank Kotak Zen Signature is a solid credit card option. With an annual fee of ₹3000, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
Pros
- Annual fee waiver on spending ₹200000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
What is Kotak Zen Signature fee?
Rs 3,000 annual fee, waived on Rs 2 lakh annual spend.
Does Zen Signature offer lounge access?
Yes, 8 domestic lounge visits per year.
What rewards does Zen Signature offer?
3X rewards on dining, 2X on other categories.
Who should apply for Zen Signature?
Those seeking lounge access and dining rewards with moderate annual fee.
Is there a joining fee?
Yes, Rs 3,000 joining fee.
User Reviews
Ready to Apply for Kotak Zen Signature?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.
Apply Now on Kotak Mahindra Bank Apply Now