Last updated: |Data verified from official bank sources
Mid-Range
Kotak Zen Signature
Kotak Mahindra Bank
Best for: Fashion and lifestyle shopping
₹2K
Annual Fee
3.33%
Reward Rate
N/A
Forex Markup
2/quarter (₹60K spend required for LTF variant)
Domestic Lounge
None
Intl Lounge
Best for: Fashion and lifestyle shopping
Fees & Charges
Joining Fee₹2K
Annual Fee₹2K
Fee WaiverNone (LTF variant requires ₹60K/quarter for lounge)
Rewards
TypePoints
Base Rate5 Zen pts/₹150, 10 on shopping
Effective Return3.33%
Accelerated Categories
Apparels/Lifestyle/Dept Stores/Jewellery10 Zen pts/₹150 (6.67%)
Lounge Access
Domestic2/quarter (₹60K spend required for LTF variant)
InternationalNone
Eligibility
Minimum Income₹4.8L/year
Welcome Benefits
Benefit1,500 Zen Points on fee payment
Estimated Value₹375
Available on: Visa
Frequently Asked Questions
What is the annual fee for Kotak Zen Signature?▼
Kotak Zen Signature has an annual fee of ₹1500. None (LTF variant requires ₹60K/quarter for lounge)
What rewards does Kotak Zen Signature offer?▼
Kotak Zen Signature offers 5 Zen pts/₹150, 10 on shopping on all spends, with an effective value of 0.83%.
Does Kotak Zen Signature have lounge access?▼
Yes, Kotak Zen Signature offers 2/quarter (₹60K spend required for LTF variant) domestic lounge visits per quarter.
What is the minimum income required for Kotak Zen Signature?▼
The minimum income requirement for Kotak Zen Signature is ₹4.8 lakhs per annum.
Information sourced from Kotak Mahindra Bank official website. Last verified: February 2026.
⚖️
Compare with Scapia Federal Credit Card
See a detailed side-by-side comparison
More Comparisons
More from Kotak Mahindra Bank
View all →Similar Cards
PM
PlasticMoney Research Team
Personal finance experts analyzing credit cards since 2023