Key Features
Cashback & Rewards
Earn up to 5% cashback on online spends and 2% on offline spends
Travel Benefits
Complimentary airport lounge access and travel discounts
Wellness Benefits
Discounts on wellness activities and meditation apps
Contactless Payments
Secure NFC-enabled contactless payments
Rewards Program
With Kotak Zen Credit Card, every ₹100 spent earns you 4 reward points
- 1 reward point = ₹0.25 redemption value
- No upper limit on reward points earned
- Points never expire
- Redeem for flights, merchandise, or cashback
Fee Structure
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST (waived on spends of ₹50,000+) |
| Add-on Card | Free |
| Cash Advance Fee | 2.5% of amount (min ₹300) |
Eligibility Criteria
- Age: 21-60 years
- Minimum income: ₹3 lakhs per annum (for salaried individuals)
- CIBIL score: 750+ preferred
- Resident Indian citizen
Apply for Kotak Zen Credit Card
Frequently Asked Questions
The credit limit is determined based on your income, credit score, and other factors. It typically ranges from ₹25,000 to ₹5,00,000.
You can redeem your points through the Kotak Mahindra Bank net banking portal or mobile app for flights, merchandise, or cashback.
Yes, Kotak offers emergency card replacement worldwide within 48-72 hours in case your card is lost or stolen.
You’ll need identity proof (PAN card, Aadhaar, or passport), address proof, income proof (salary slips or bank statements), and a passport-size photo.