cards / mid / kotak-zen
KotakUnknownmid-tier

Kotak Zen Credit Card

A solid daily-driver for steady spenders who want rewards without a premium fee.

excellent shape
health 100/100
annual fee₹ 1,500/yr
joining fee₹ 1,500
fee waiver at₹ 1,50,000/yr
base earn rate3.33 / ₹100
rewards inZen points

✓ best for

Other Online Shopping

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else3.33 / ₹100
Other Online Shopping6.67 / ₹100

benefits & perks

Welcome Gift

1500 Zen points upon paying the joining fees of ₹1500/-

Domestic Airport Lounge Access

Enjoy complimentary domestic airport lounge access

International Airport Lounge Access

3 complimentary access per calendar year to Priority Pass International Lounges outside India

Milestone Program

Get 7500 Bonus Zen points on crossing ₹3 lakh spends OR 15000 points on crossing ₹6 lakh spends every year

unlocks at ₹ 3,00,000/yr

Fuel Surcharge Waiver~₹ 3,500/yr

1% fuel surcharge waiver is applicable on transactions that range between ₹500 and ₹5000

run your spend profileto see this card's value for you.