The Kotak Zen Visa Signature has a ₹1,500 annual fee (waived on ₹1.5 lakh annual spend), earns 10 Zen Points For Every ₹150 Spent on Shopping (5 Zen Points on Every ₹150), includes 8 airport lounge visits a year and charges a 3.5% forex markup.
| Annual fee | ₹1,500 |
|---|---|
| Joining fee | ₹1,500 |
| Annual fee waived | On ₹1.5 lakh annual spend |
| Top reward rate | 10 Zen Points For Every ₹150 Spent on Shopping |
| Base rewards | 5 Zen Points on Every ₹150 |
| Lounge access | 8 airport lounge visits a year |
| Forex markup | 3.5% |
From issuer benefit data, checked 24 Oct 2026. Top reward rate is the card's best partner or category rate; base rewards is the general earn rate. Caps and exclusions are under Key Benefits.
Key Benefits
Live offers on this card
216 online offers across 163 brands right now, each valid for at least another 7 days. Checked 23 Oct.
- Croma: Rs.3000 Discount · till 31 Oct
- Yatra: Upto Rs.1800 off · till 31 Dec
- Air India: Get additional Rs.1000 off · till 31 Dec
- EaseMyTrip: Get Rs.1000 off · till 31 Dec
- Paytm: Save 50% · till 30 Dec
These are Kotak Mahindra Bank's own offers and Visa network offers, so they apply to every Kotak Mahindra Bank Visa card, not just this one. All Kotak Mahindra Bank offers by category.
People Also Asked
More about the Kotak Zen Visa Signature Credit Card
Is the Kotak Zen Visa Signature Credit Card worth it in 2026?
The Kotak Zen Visa Signature Credit Card offers strong rewards with 10 Zen Points for every Rs.150 spent on shopping and milestone bonuses of up to 15,000 Zen Points on Rs.6 lakhs spend. The first year annual fee of Rs.1500 is waived upon spending Rs.1.5 lakhs, making it cost-effective for regular users.
Who should get the Kotak Zen Visa Signature Credit Card?
This card is ideal for frequent shoppers and high spenders who can benefit from earning 10 Zen Points per Rs.150 on shopping and milestone rewards. It also suits travelers who want complimentary airport lounge access and are comfortable with an annual fee of Rs.1500.
How to maximise rewards on the Kotak Zen Visa Signature Credit Card?
Maximise rewards by focusing spending on shopping categories to earn 10 Zen Points per Rs.150. Reach spending milestones of Rs.3 lakhs and Rs.6 lakhs to earn bonus Zen Points of 7,500 and 15,000 respectively, and ensure you spend Rs.1.5 lakhs in the first year to waive the joining fee.
Is the Kotak Zen Visa Signature Credit Card good for international travel?
Yes, the card offers 3 complimentary international airport lounge accesses per year, enhancing travel comfort. Combined with 8 domestic lounge accesses, it is well-suited for frequent international and domestic travelers.