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Last updated: 01-06-2026
Kotak Zen Signature Credit Card
Kotak Bank

Kotak Zen Signature Credit Card

"Kotak's best entry rewards card โ€” 2X points on online spends, โ‚น750 cashback milestone and Buy 1 Get 1 movies at low annual fee"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น1,499 + GST
๐Ÿ”„ Renewal Fee
โ‚น1,499 + GST
Waived: Annual fee waived on retail spends of โ‚น1.5 lakh or more in the membership year
๐ŸŽฏ Best Suited For
Online shoppers and moderate spenders wanting a simple rewards card from Kotak Bank; regular movie-goers who want Buy 1 Get 1 via BookMyShow
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.25; redeemable for cashback, vouchers, travel via Kotak Rewards portal)
๐ŸŽ‰ Welcome Benefit
โ‚น500 Myntra voucher on making 1 transaction above โ‚น500 within 30 days of card issuance
๐Ÿ’ฐ Reward Rate
2 RPs per โ‚น100 on all online spends (0.5% effective); 1 RP per โ‚น100 on all offline spends (0.25%); excludes fuel, wallet, EMI, rent, insurance, government; RPs valid 3 years
โœˆ๏ธ Lounge Access
No complimentary airport lounge access on base variant
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โœ… Pros
  • Buy 1 Get 1 movies via BookMyShow (2 per month)
  • โ‚น500 Myntra welcome voucher
  • โ‚น750 annual cashback on โ‚น75K spend milestone
  • 2X Reward Points on online spends
  • Easy โ‚น1.5L fee waiver
  • Reward Points valid 3 years
โŒ Cons
  • No airport lounge access
  • High forex markup 3.5%
  • Base reward rate 0.25% offline and 0.5% online are low
  • Only available in select cities

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.25; redeemable for cashback, vouchers, travel via Kotak Rewards portal)
Welcome Benefits
โ‚น500 Myntra voucher on making 1 transaction above โ‚น500 within 30 days of card issuance
Reward Rate
2 RPs per โ‚น100 on all online spends (0.5% effective); 1 RP per โ‚น100 on all offline spends (0.25%); excludes fuel, wallet, EMI, rent, insurance, government; RPs valid 3 years
Reward Redemption
Kotak Bank NetBanking or Kotak Rewards portal: cashback (1 RP = โ‚น0.25), vouchers (Amazon, Flipkart), merchandise, travel; RPs valid 3 years
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น500 to โ‚น3,000; maximum โ‚น500 per year
Lounge Access
No complimentary airport lounge access on base variant
Spend Based Fee Waiver
Annual fee waived on โ‚น1.5 lakh retail spend
Milestone Benefits
โ‚น750 cashback on crossing โ‚น75,000 annual retail spends; Buy 1 Get 1 movie tickets via BookMyShow โ€” 2 per month; annual fee waiver on โ‚น1.5L spend
Other Benefits
Buy 1 Get 1 on movie tickets via BookMyShow (2 per month); โ‚น750 cashback milestone; fuel surcharge waiver; contactless payments; Smart EMI; Zomato Gold 50% off on first order

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on timely card loss reporting
Add-on Cards
Add-on cards for family members
Concierge Services
Details coming soon
Special Offers
Buy 1 Get 1 movies 2 per month; โ‚น500 Myntra welcome; โ‚น750 annual cashback milestone; Zomato Gold 50% off

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น1,499 + GST
Annual Fee / Renewal Fee
โ‚น1,499 + GST
โœ“ Waived on: Annual fee waived on retail spends of โ‚น1.5 lakh or more in the membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.5% per month (42% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per Kotak Bank prevailing slab
Over Limit Charges
2.5% of overlimit amount
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
RPs valid 3 years; โ‚น750 cashback milestone on โ‚น75K annual spend; verify current offers on Kotak website

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 65 years; salaried or self-employed; Indian resident; minimum monthly income โ‚น25,000+; good credit history; select cities
Credit Score Requirement
700+ CIBIL recommended
Credit Limit
Based on income and Kotak Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per Kotak Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via Kotak Bank mobile app or customer care
Instant Fraud Alerts
SMS alerts for every transaction
Purchase Protection
Zero liability on timely card loss reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 266 2666 (24x7)
Chat / Email Support
SMS KASSIST to 5676788 for callback; chat via Kotak Bank website
Mobile App
Kotak Bank mobile app: manage card, track RPs, pay bills, redeem rewards
Online Banking
Full management via Kotak Bank NetBanking

Last updated: 01-06-2026

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Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:31 PM
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