# Kotak Zen Signature

Kotak Mahindra Bank · Visa. ₹1,500 fee · 3.5% forex · 5 ZP/₹150 on other eligible spends · education and insurance earn up to ₹70K, utilities ₹50K, govt ₹40K per cycle.

verified · checked 17 June 2026 · Source: https://www.kotak.com/en/personal-banking/cards/credit-cards/zen-signature-credit-card.html

## How it earns (3)

- 5 ZP/₹150 on other eligible spends · education and insurance earn up to ₹70K, utilities ₹50K, govt ₹40K per cycle · ✓ official · checked 2 October 2026
- 10 ZP/₹150 on apparel, department stores, jewellery and duty-free, cap 6,500 ZP/statement cycle · cap 6,500 points per statement cycle · ✓ official · checked 2 October 2026
- 10 ZP / ₹150 apparel / lifestyle / jewellery / dept stores · verified · checked 17 June 2026

## On gift vouchers

- ₹67 back on a ₹10,000 voucher bought direct. · 5 ZP/₹150 on other eligible spends · education and insurance earn up to ₹70K, utilities ₹50K, govt ₹40K per cycle

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No Zen points on wallet loads · brand vouchers earn base (the issuer does not address them)

## Milestones (2)

- 7,500 ZP @ ₹3L annual spend · ₹1,500 at ₹3,00,000 spend per card year · verified · checked 17 June 2026
- 15,000 ZP @ ₹6L annual spend (non-cumulative: only one tier awarded) · ₹3,000 at ₹6,00,000 spend per card year · verified · checked 17 June 2026

## Lounges (2)

- 2 domestic visits a quarter (8 a year), after ₹75,000 spent the previous quarter (from 1 Jun 2025). · Domestic (card-based) · domestic · 2 per quarter
- 3 international visits a year, no spend condition. Guests cost $35 a visit. · International (Visa Signature) · international · 3 per year

## Transfer partners (1)

- ALL Reward Points · 12 : 1 · ✓ official · checked 17 July 2026

## Fees

- Annual fee: ₹1,500 + GST
  Waived at ₹1,50,000 spend per card year
- Forex markup: 3.5%
- DCC markup: Not published
- Earns: Kotak Zen Points · ₹0.2 a point at baseline

## Dated changes (1)

- Lounge gating · 1 June 2025: Kotak Zen domestic lounge now requires ₹75K quarterly spend (https://getbrief.cards/changes#kotak-zen-lounge-gate)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/kotak-zen