Kotak Zen Signature Credit Card

The Kotak Zen Signature Credit Card, offered by Kotak Mahindra Bank, brings exclusive shopping, travel, and milestone rewards to your purchases. Upon joining, enjoy 1500 Zen points. Earn up to 15 Zen Points for every Rs 150 spent at KayMall. Benefit from 8 free domestic lounge accesses and 3 international lounge accesses via Priority Pass. Additional perks include a 1% fuel surcharge waiver, spending-based fee waivers for annual spending exceeding Rs 1,50,000, and priority concierge services.

Key Highlights of Kotak Zen Signature Credit Card

The key highlights of the Kotak Zen Signature Credit Card are:

  1. Suitability: Ideal for shopping enthusiasts seeking rewards.
  2. Shopping and Rewards: Earn 10 Zen Points for every Rs. 150 spent on apparel, lifestyle items, department stores, and jewelry.
  3. Joining Fee: A one-time fee of Rs. 1,500.
  4. Annual Fee: An annual charge of Rs. 1,500.
  5. Best Feature: Enjoy the benefits of accumulating Zen Points while shopping for various products and brands.

Features and Benefits of Kotak Zen Signature Credit Card

Key Features and Benefits of the Kotak Zen Signature Credit Card:

1. Zen Points:

  • Earn 10 Zen points for every Rs. 150 spent on shopping (excluding cash expenditures, fuel, and EMIs).
  • Receive 5 Zen points for other Rs. 150 transactions.

2. Milestone Program:

  • Spend Rs. 3 lakhs in an anniversary year and get 7500 bonus Zen points.
  • Spend Rs. 6 lakhs in an anniversary year for 15000 bonus Zen points.
  • Bonus points credited after the anniversary year.

3. Welcome Gift:

  • Enjoy 1500 Zen points upon payment of the Rs. 1,500 joining fee.

4. Travel Benefits:

  • Receive eight complimentary airport lounge visits within India.

5. Priority Pass Access:

  • Get a free Priority Pass membership and three international lounge visits per year (conditions apply).

6. Fuel Surcharge Waiver:

  • Avail a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3000, up to Rs. 3500 per anniversary year.

7. Railway Surcharge Waiver:

  • Save 1.8% on railway surcharge for transactions through IRCTC.
  • Get a 2.5% discount on transactions at Indian Railways Booking Counters.

Experience a world of rewards and benefits with the Kotak Zen Credit Card!

Kotak Zen Signature Credit Card Fees and Charges

Fees and Charges of the recently launched Kotak Zen Signature Credit Card are as follows:

Joining Fee: Rs 1500 + GST

  • Welcome Benefit: Get 1500 Zen Points worth approximately Rs 375.
  • Joining Fee Waiver: None

Annual Fee: Rs 1500 + GST

  • Annual Fee Waiver: Spend Rs 1.5 Lakhs in an anniversary year to get the fee waived.

Kotak Zen Signature Credit Card Eligibility

To submit an application for Kotak Zen Signature Credit Card, you need to meet the fundamental eligibility requirements specified by the bank:

  1. Primary cardholder age: 21-65 years.
  2. Add-on cardholder age: 18 years and above.
  3. Available in: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune.
  4. Minimum annual income: Rs. 4.8 lakh or more.
  5. Must be an Indian resident.

Documents Required for Kotak Zen Signature Credit Card

To apply for the Kotak Zen Signature Credit Card, you typically need the following documents:

1. Proof of Identity:

  • Aadhar Card
  • Passport
  • Voter ID
  • Driving License
  • PAN Card

2. Proof of Address:

  • Aadhar Card
  • Passport
  • Utility bills (electricity, water, gas)
  • Rental/lease agreement
  • Bank account statement

3. Income Proof:

  • Salary slips (for salaried individuals)
  • Income Tax Returns (ITR)
  • Bank statements (for self-employed)

4. Passport-Size Photographs:

  • Recent passport-sized color photographs

5. Duly Filled Application Form:

  • The application form provided by Kotak Bank, completed and signed.

How to apply for Kotak Zen Signature Credit Card

Applying for the Kotak Zen Signature Card can be done online or offline with no repetition:

Offline Application:

  • Visit the nearest Kotak Bank branch.
  • Complete a physical application form in person.

Online Application:

  • Visit Kotak Bank’s official website.
  • Navigate to ‘Explore Products,’ select ‘Credit Cards.’
  • Choose the Kotak Zen Signature Credit Card.
  • Click ‘Apply Now.’
  • Fill out the online application form.
  • Submit your application.

Frequently Asked Questions (FAQs)

1. What is the Kotak Zen Signature Credit Card?

The Kotak Zen Signature Credit Card is a premium credit card offered by Kotak Mahindra Bank, designed to provide a range of exclusive benefits and privileges to its cardholders.

2. What are the key features of the Kotak Zen Signature Credit Card?

Some key features include complimentary airport lounge access, reward points on every spend, milestone benefits, fuel surcharge waiver, and exclusive lifestyle privileges.

3. How can I apply for the Kotak Zen Signature Credit Card?

You can apply for the card online through the official Kotak Mahindra Bank website or by visiting a Kotak Mahindra Bank branch.

4. What are the eligibility criteria for the Kotak Zen Signature Credit Card?

Eligibility criteria may include age, income, and credit score requirements. Specific details can be obtained from the bank’s official website or by contacting their customer service.

5. What is the annual fee for the Kotak Zen Signature Credit Card?

The annual fee varies, and it’s advisable to check the latest fee structure on the bank’s website or contact customer support for accurate and up-to-date information.

6. How does the reward points system work on this credit card?

Cardholders earn reward points on every eligible transaction. These points can be redeemed for a variety of options, including merchandise, vouchers, and travel bookings. The redemption process and options can be found on the bank’s rewards program page.

7. Does the Kotak Zen Signature Credit Card offer any travel benefits?

Yes, the card provides complimentary access to airport lounges, travel insurance, and other travel-related benefits. The specific details and terms may be outlined in the card’s benefits guide.

8. Is there a foreign transaction fee for using the Kotak Zen Signature Credit Card abroad?

Details regarding foreign transaction fees, if applicable, can be found in the terms and conditions provided by Kotak Mahindra Bank. It is advisable to review this information before using the card internationally.

9. How can I check my Kotak Zen Signature Credit Card balance and transactions?

Cardholders can check their balance and transactions through the Kotak Mahindra Bank mobile app, internet banking, or by contacting the bank’s customer service.

10. What should I do if my Kotak Zen Signature Credit Card is lost or stolen?

In case of loss or theft, immediately report it to Kotak Mahindra Bank’s customer service. The bank will guide you through the process of blocking the card and issuing a replacement.