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Kotak Zen Signature Credit Card
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BankKotak Mahindra Bank
NetworkVisa
Joining fee₹1,500 + GST
Annual fee₹1,500 + GST
Fee waiverWaived on annual retail spends of ₹1,50,000 or more
Welcome bonus1,500 Zen Points (worth about ₹375) credited on payment of the joining fee
Rewards summaryEarns 10 Zen Points per ₹150 on apparel, lifestyle goods and jewellery and 5 Zen Points per ₹150 on all other spends, with each Zen Point worth ₹0.25. Earning is capped at 6,500 Zen Points per billing cycle, and milestone points come in at ₹3 lakh and ₹6 lakh of annual spend.
Best forLifestyle and fashion shoppers who also want generous domestic and international lounge access
Rating4.1 / 5
Pros
  • 10 Zen Points per ₹150 on apparel, lifestyle and jewellery works out to roughly 1.7% back on fashion spends
  • Generous lounge programme for the price: 8 domestic and 3 international complimentary visits a year
  • Annual fee of ₹1,500 + GST is fully waived once you spend ₹1.5 lakh in a year
Full reviewRead full review