Kotak Mahindra Bank Zen Signature Credit Card — Rewards, Fees & Value
Kotak Mahindra Bank · visa · mid
Reward rate by category
Effective value back per ₹100 spent, after our cap-aware audit. Points valued at best redemption.
Key benefits
- 10 Zen pts per ₹150 on shopping (apparel, lifestyle, jewellery, departmental stores)
- 5 Zen pts per ₹150 on all other eligible spends
- 1,500 welcome Zen pts on joining fee payment
- Annual fee waived on ₹1.5L spend
- 3 complimentary domestic lounge visits per year
- 3 complimentary international lounge visits per year via Priority Pass (on ₹4+ purchases/month)
Calculate your exact points value, or let the Card Finder check whether the Zen Signature belongs in your stack.
FAQs
The Kotak Mahindra Bank Zen Signature Credit Card earns up to 2.5% effective value on online shopping and 1.3% on dining & food delivery. Its base rate is about 1.3%.
The Zen Signature has an annual fee of ₹1,500, waived on annual spends of ₹1,50,000 or more.
On the Zen Signature, one point is worth up to about ₹0.25 via its best redemption, or around ₹0.25 as cashback.
Reward data last verified 2026-06-16. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with Kotak Mahindra Bank.