What is the annual fee for Kotak Zen Credit Card?

The annual fee is ₹1,500, along with an identical ₹1,500 joining fee. However, the fee is waived if you spend ₹1.5 lakh or more in a calendar year, making it free for regular spenders.

How to apply for Kotak Zen Credit Card?

You can apply directly through Kotak Mahindra Bank's website or mobile app, or through credit card aggregator platforms like OnePaisa. The bank will evaluate your eligibility based on income and credit profile.

What rewards does Kotak Zen Credit Card offer?

The card earns 6.67% in Zen Points on all purchases, which can be redeemed for statement credits or other benefits. You also receive 1,500 Zen Points (worth ₹375) upon paying the joining fee.

What are the eligibility criteria for Kotak Zen Credit Card?

Specific eligibility criteria are not detailed here — eligibility typically depends on income, employment status, and credit score. Visit Kotak Mahindra Bank's official website or contact their support for exact requirements.

Does Kotak Zen Credit Card offer airport lounge access?

Yes, the card includes 8 complimentary domestic lounge visits per year and Priority Pass membership, providing both lounge access and other travel perks for frequent flyers.

Is Kotak Zen Credit Card worth it?

It's worthwhile if you spend ₹1.5L+ annually (fee waived) and value shopping rewards at 6.67% plus lounge access. For lower spenders, the ₹1,500 annual fee may not justify the benefits unless you actively use lounge visits.

Credit Cards

ShoppingMidVisa

Kotak Zen Credit Card

Shopping rewards with annual fee relief at ₹1.5L spend

Annual fee₹1,500Waived on ₹1.5L spend

Rewards4.45%6.67 Zen Point per ₹150

Forex markup3.5%

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Welcome benefits

worth ₹375

1500 Zen points upon paying joining fees

Type: Reward Points
Trigger: Joining Fee Payment

Rewards

Base earn rate

Earn 10 Zen Points for every ₹150 spent on Shopping (Apparels, Lifestyle goods, Departmental Stores & Jewellery). Earn 5 Zen Points for every ₹150 on all other spends.

Kotak Rewards

Excludes: Wallet Load, Fuel, Rent, Online Skill-Based Gaming, EMI Conversions

Category	Rate	Cap
Shopping (Apparels, Lifestyle Goods, Departmental Stores & Jewellery)	—	—
All Other Spends	—	—

• Minimum redemption: 2000 points

Milestone benefits

In addition to the Zen points which you will earn on every transaction, you will also be eligible for bonus Zen points on achieving the below spends criteria, in each anniversary year. Bonus Zen points will be credited to your card account at the end of an anniversary period* as per the eligibility. Customer will be eligible for Bonus Zen Points basis only one of the Milestones at the end of the term. For e.g. if someone has achieved spends of ₹6 Lakhs, he/she will be entitled to only 15,000 reward points. Spend ₹3,00,000/- and get 7500 points OR Spend ₹6,00,000/- and get 15000 points. Example – Milestone period is 1st Jan 2021 to 31st Dec 2021, then the transactions settled till 31st Dec 2021 will be considered for milestone benefits. Any transaction settled post 31st Dec 2021 will be considered in next milestone period. Effective 1st June 2025, spends on Utility, Wallet Load, Fuel, Online skill-based gaming, Insurance, Government, Rent, and Education will not be considered when calculating milestone benefits.

Lounge access

Domestic

8visits / year

Max 2 per quarter
Requires ₹75,000 prior spend

International

Priority Pass

3complimentary visits

Membership value USD 35

Fees & charges

Joining fee: ₹1500
Annual / renewal fee: ₹1500
Annual fee waiver: Annual retail spends of ₹150,000
Add-on card fee: ₹299
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 48 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 0%, min ₹500
Payment dishonour: ₹500
Forex markup: 3.50%
DCC markup: 3.50%
Fuel surcharge: 1% waiver, on ₹500–₹5000 txns, max ₹400/cycle

View official MITC →

Features

✓ International usage

Additional features

Priority attend - SMS 'KASSIST' to 5676788 and we will call back within two hours
Complimentary cheque pickup for monthly dues payment

No rewards on

Wallet Load · Fuel · Rent · Online Skill-Based Gaming · EMI Conversions

Card management via Kotak Bank Mobile App.

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Shopping — 1.33% back

0% of spend100% of spend

Remaining 80% of spend earns the 0.67% base rate.

Rewards / year

₹4,812

≈ 0.80% effective

Annual fee

₹0 (waived)

waived at ₹1,50,000/yr spend

Net steady-state return

+₹4,812/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹4,812 a year.

Apply Now Check Eligibility →

One-time joining fee (year 1 only): ₹1,500

One-time welcome benefit: ~₹300 — 1500 Zen Points welcome gift; realized only upon paying the joining fee of ₹1500. Valued at card's own ₹0.20/point cash-redemption value.

Based on published rates as of 2026-08-07; assumes 1 Zen Point = ₹0.20 cash value for redemption (w.e.f. 01 June 2025; minimum 2,000 Zen Points required for cash value redemption). Kotak's own stated cash-redemption path.. Rewards estimates, not guarantees.