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Kotak Zen Signature Credit Card
Kotak • Visa

Kotak Zen Signature Credit Card

Lifestyle-oriented Kotak card with dining and entertainment angle.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹1500Waived on INR 2L annual spends
Base Reward0.5%On all spends
Lounge Access2222 domestic • 0 intl
Est. Annual Savings₹1,072Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Waived on INR 2L annual spends

Net value₹1,800

Estimated savings per year.

Fee waiver target: ₹2,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Dining
2.0%
Lifestyle
1.5%
Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • Kotak Zen Signature Credit Card is best positioned as a lifestyle + dining specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 2.0% on dining-aligned lanes, while broad base return remains closer to 0.5%.
  • Current mapped lounge footprint is 22, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to lifestyle and dining spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 1,500 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹1,500
  • Annual fee₹1,500
  • Waiver threshold₹2,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count22
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows22
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports17
  • Approval reports10

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Kotak Royale Signature

Annual fee: ₹999

Shared focus: LifestyleHigher product tier within same bankHigher top earn rate (4.0%)
View Details
Step 2

Myntra Kotak Credit Card

Annual fee: ₹500

Shared focus: Rewards, LifestyleHigher top earn rate (4.0%)Estimated +₹2,185/yr value
View Details
Step 3

Kotak Mojo Platinum

Annual fee: ₹1000

Shared focus: LifestyleHigher top earn rate (2.5%)No higher annual fee vs current card
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Kotak Zen Signature Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Verify current Kotak spend-linked activation criteria for complimentary lounge access.

Quarter / cycle rule

Quarter/cycle-based caps can apply; confirm latest Zen Signature lounge terms in issuer MITC.

Guest access

Complimentary guest lounge access is not listed as a default Kotak Zen Signature benefit.

Priority Pass

Priority Pass is not listed in the current Kotak Zen Signature lounge source mapping.

Lounge Locations

22 airport lounge rows
View lounge map and location list22 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Terminal 1

Amritsar

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

AMR • Amritsar Airport • Terminal 1

Bengaluru

1 lounges • 1 domestic • 0 international

1
BLRDomestic

BEN • Bengaluru Airport • Terminal 1

Chandigarh

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

CHA • Chandigarh Airport • Main Terminal

Chennai

3 lounges • 3 domestic • 0 international

3
Travel Club LoungeDomestic

CHE • Chennai Airport • Terminal 4

Travel Club Lounge ADomestic

CHE • Chennai Airport • Terminal 1

Travel Club Lounge BDomestic

CHE • Chennai Airport • Terminal 1

Dabolim

1 lounges • 1 domestic • 0 international

1
Brew House DabolimDomestic

DAB • Dabolim Airport • Terminal 1

Dehradun

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

DEH • Dehradun Airport • Terminal 1

Goa

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

GOA • Goa Airport • Terminal 1

Hyderabad

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Terminal 1

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Terminal 2

Kochi

1 lounges • 1 domestic • 0 international

1
Earth LoungeDomestic

KOC • Kochi Airport • Terminal 1

Kolkata

1 lounges • 1 domestic • 0 international

1
Travel Club LoungeDomestic

KOL • Kolkata Airport • Terminal 1

Mumbai

2 lounges • 2 domestic • 0 international

2
Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 2

Travel Club LoungeDomestic

MUM • Mumbai Airport • Terminal 1c

New Delhi

3 lounges • 3 domestic • 0 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 1

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 2

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 3

Pune

2 lounges • 2 domestic • 0 international

2
Elysian Lounge FFDomestic

PUN • Pune Airport • New Terminal

Elysian Lounge GFDomestic

PUN • Pune Airport • New Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Reward acceleration on lifestyle-friendly categories
  • Mainstream annual fee with waiver possibility
  • Suitable for urban spend profiles

Things to Consider

  • Not a high-value travel transfer card
  • Category returns depend on eligible merchant mapping
  • Mid-tier benefits vs premium cards

About Kotak Zen Signature Credit Card

Kotak Zen Signature Credit Card is a points card from Kotak, best for users spending regularly on dining and weekend lifestyle spends. It is tagged under lifestyle, dining, rewards, movies categories in our database.

LifestyleDiningRewardsMovies

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Frequently asked questions

Is Kotak Zen Signature Credit Card lifetime free?

It has an annual fee of ₹1500. Waived on INR 2L annual spends

What rewards does Kotak Zen Signature Credit Card offer?

Lifestyle-oriented Kotak card with dining and entertainment angle.

Does Kotak Zen Signature Credit Card include lounge access?

Kotak Zen Signature Credit Card lists 22 lounge visits (22 domestic, 0 international).

Who should consider Kotak Zen Signature Credit Card?

Users spending regularly on dining and weekend lifestyle spends

Where can I apply for Kotak Zen Signature Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.