Kotak Zen Credit Card

The key features and benefits of the Kotak Zen credit card, one of the Best Travel Credit Cards are mentioned in the table below:

Below are the various fees and charges associated with the Zen Kotak Credit Cards:

• Joining fee: Rs. 1,500.
• Annual fee: Rs. 1,500; Waived on annual retail spends of Rs. 1,50,000. 
• Add-on card fee: Waived.
• Interest charges: 3.75% monthly (45% annually).
• Cash advance fee: 2.5% on advance amount (minimum Rs. 500).
• Late payment charges: Rs. 0 - Rs. 1,300 (depends on outstanding balance amount).
• Over limit charges: Rs. 500 (if over limit amount is Rs. 500 or more).
• Cheque return fee: 2% on bounce amount (minimum of Rs. 500).
• Standing instruction failure/ auto-debit return fee: 2% on bounce amount (minimum Rs. 450 & maximum Rs. 5,000).
• Foreign currency transaction markup/ dynamic currency conversion fee: 3.50%.
• Cash payment at branches: Rs. 100.
• Card replacement fees (loss/damage): Rs. 100 per card.
• Image card fee: Rs. 99 or Rs. 199 per image card.
• Fee on rent payments: 1% of the transaction amount + GST.
• Fee on utility spends: 1% on cumulative spends exceeding the threshold per statement cycle.
• Fee on education payment: 1% transaction fee on all education payments via third-party apps.
• Fee on wallet loading: 1% on cumulative spends exceeding Rs. 10,000 per statement cycle 
• Fee on online skill-based gaming: 1% on cumulative spends exceeding Rs. 10,000 per statement cycle.
• Fee on fuel transactions: 1% on cumulative \spends exceeding threshold per statement cycle.
• Credit limit increase processing fees: Rs. 100.
• Goods and Services Tax (GST): Applicable on all fees and charges at the current rate.

• This card offers Kotak Rewards, your new point redemption currency that simplifies managing the reward points. 
• You can redeem your Zen Points across a variety of categories such as mobile recharge, shopping across 10,000 products, e-vouchers across various brands, BookMyShow movie vouchers, travel and many more.
• W.e.f. 01st June 2025, cash value for redemption has been revised from Rs. 0.25 to Rs. 0.20 per Zen Point. 
• You will require a minimum of Rs. 2,000 Zen Points for cash value redemption. 
• For redemption against mobile recharge, shopping, etc., 1 Zen Point = Rs. 0.25.

There are many reasons to choose the Kotak Zen Singnature credit card. It offers a plethora of attractive features mentioned below:

• Welcome gift of 1500 Zen Points on paying the joining fees of Rs. 1,500.
• 10 Zen Points for spending every Rs. 150 on shopping (apparel, lifestyle goods, jewellery and departmental stores).
• 5 Zen Points for spending every Rs. 150 on other categories.
• 7500 Zen Points on annual spending of above Rs. 3 Lakhs.
• 15000 Zen Points on annual spending of above Rs. 6 Lakhs.
• If you need Fuel Surcharge Waiver Credit Cards, this one offers 1% fuel surcharge waiver (up to Rs. 3,500 in an anniversary year) on transactions ranging between Rs. 500 and Rs. 5,000.
• Save 1.8% railway surcharge for transactions on www.irtc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum Rs. 500 surcharge can be availed in an anniversary year.
• If you are looking for Airport Lounge Credit Cards, this card offers 2 complimentary domestic airport lounge visits per quarter on quarterly spends of Rs. 75,000 or more.
• These Credit Cards with Priority Pass offer 3 complimentary access to 1300+ Priority Pass International Lounges outside India per calendar year.
• Annual fee waiver on annual retail spends of Rs. 1,50,000.

Under Kotak Zen Credit Card Reward Programs, you get the following reward benefits:

• 1500 Zen Points as a welcome gift, on paying the joining fees of Rs. 1,500.
• 10 Zen Points for spending every Rs. 150 on shopping (apparel, lifestyle goods, jewellery and departmental stores).
• 5 Zen Points for spending every Rs. 150 on other categories.
• Reward points earned on all transactions are capped at 6,500 points per billing cycle.
• For Education and Insurance, Zen Points will only be earned on spends up to Rs. 70,000 per statement cycle. 
• For Utility, Zen Points will only be earned on spends up to Rs. 50,000 per statement cycle. 
• For Government category, Zen Points will only be earned on spends up to Rs. 40,000 per statement cycle.
• Spends on the above categories will not be considered when calculating milestone benefits
• Zen Points earnings are discontinued against Wallet Load, Fuel, Rent, and Online Skill-based Gaming.
• 7500 Zen Points on annual spending of above Rs. 3 Lakhs.
• 15000 Zen Points on annual spending of above Rs. 6 Lakhs.

Below is the comparison between the Kotak Zen credit card and other bank credit cards of other top banks offering similar benefits:

You can earn reward points on this card through the following ways:

• 1500 Zen Points as a welcome gift on payment of the joining fee.
• 10 Zen Points for spending every Rs. 150 on shopping (apparel, lifestyle goods, jewellery and departmental stores).
• 5 Zen Points for spending every Rs. 150 on other categories.
• Reward points earned on all transactions are capped at 6,500 points per billing cycle.
• For Education and Insurance, Zen Points will only be earned on spends up to Rs. 70,000 per statement cycle. 
• For Utility, Zen Points will only be earned on spends up to Rs. 50,000 per statement cycle. 
• For Government category, Zen Points will only be earned on spends up to Rs. 40,000 per statement cycle.
• 7500 Zen Points on annual spending of above Rs. 3 Lakhs.
• 15000 Zen Points on annual spending of above Rs. 6 Lakhs.

Pros

• Welcome gift of 1500 Zen Points on joining fee payment.
• Facility to convert your credit card purchases/ total outstanding bills above Rs.. 2,500 into EMIs. For more information regarding this feature, you may refer Credit Card EMI Guide. 
• 10 Zen Points for spending every Rs. 150 on shopping and 5 Zen Points for spending every Rs. 150 on other categories.
• 7500 Zen Points on annual spending of above Rs. 3 Lakhs.
• 15000 Zen Points on annual spending of above Rs. 6 Lakhs.
• 1% fuel surcharge waiver and 1.8% to 2.5% railway surcharge waiver.
• 3 complimentary access to 1300+ Priority Pass International Lounges outside India per calendar year.
• Annual fee waiver on annual retail spends of Rs. 1,50,000. For more information, you may go through the Credit Card Fee Waiver Guide online.

Cons

• 2 complimentary domestic airport lounge visits per quarter are unlocked on quarterly spends of at least Rs. 75,000.
• Each Zen Point is worth only Rs. 0.20 when redeemed.
• Rewards on major utility, government, education, and insurance spends will only be earned on a large threshold spending per statement cycle.

Below are the basic Kotak Zen Credit Card eligibility criteria:

• Age of primary credit card holder: 21 to 65 years.
• Age of add-on credit card holder: 18 years or above.
• Citizenship: Indian resident.
• Location: Ahmedabad, Bangalore, Chennai, Chandigarh, Pune, Hyderabad, Delhi (including Noida and Gurgaon), Mumbai, and Kolkata.
• Income: Rs. 25 Lakhs per annum or above. 
• Credit score: Preferably 750 or above. 

You will need the following documents to apply for the Kotak Zen card:

• Identity proof: PAN Card (mandatory) and Aadhaar Card/ Passport/ Voter ID Card/ Driving Licence.
• Address proof: Aadhaar Card/ Passport/ Recent Utility Bill (not older than 3 months)/ Registered Rental or Lease Agreement.
• Income proof for salaried: Last 3 months' Salary Slips and Bank Statements showing salary credits, along with Form 16/ latest ITR.
• Income proof for self-employed: Audited Financial Reports for the previous 2 years and ITR.

You can apply for the Kotak Zen Credit Card online by following the steps given below:

• Visit the official portal of Kotak Mahindra Bank and open the Credit Cards page.
• Look for the Kotak Zen Credit Card and apply for the card.
• Fill out the online application by mentioning all the required personal, professional, and income details.
• Upload the soft copies of required KYC and income documents.
• Finish the VKYC verification when instructed to finalise your submission.

To reach the Kotak Zen Credit Card customer care team, you can use any of the following methods:

• Toll-free contact number: 1800 4100 for all banking needs, complaints and resolution. 
• Email: customersupport@kotak.com if you don't get a solution for your queries.