Verified — 16/16 categories
Kotak
Zen Signature Credit Card
Best forShopping & Education
Earns10 Zen Points/₹150 on shopping
1st Year / Joining Fee
₹1,500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹1,50,000
annual spend
Network
Not recorded
Kotak
Zen Signature Credit Card
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on shopping and education, where it earns 10 Zen Points/₹150
- Annual fee is waived at ₹1,50,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Shopping10 Zen Points/₹150
Education5 Zen Points/₹150
Insurance5 Zen Points/₹150
Utilities5 Zen Points/₹150
Groceries5 Zen Points/₹150
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | 5 Zen Points/₹150 | ₹70,000 per statement | Education spend earns Zen Points up to ₹70,000/statementDetails
|
| Insurance | 5 Zen Points/₹150 | ₹70,000 per statement | Insurance spend earns Zen Points up to ₹70,000/statementDetails
|
| Utilities | 5 Zen Points/₹150 | ₹50,000 per statement | Utility spend earns Zen Points up to ₹50,000/statementDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 5 Zen Points/₹150 | — | Standard retail reward rate for Zen Signature Credit Card on GroceriesDetails
|
| Dining | — | — | Standard retail reward rate for Zen Signature Credit Card on DiningDetails
|
| Food Delivery | — | — | Standard retail reward rate for Zen Signature Credit Card on Food DeliveryDetails
|
| Shopping | 10 Zen Points/₹150 | — | 10 Zen Points/₹150 on shopping (apparel, lifestyle, jewellery)Details
|
| Travel | — | — | Standard retail reward rate for Zen Signature Credit Card on TravelDetails
|
| Government | — | — | Government spend earns Zen Points up to ₹40,000/statementDetails
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Standard verified reward rate for Zen Signature Credit Card on RailwaysDetails
|
| FASTag | — | — | Standard verified reward rate for Zen Signature Credit Card on FASTagDetails
|
| Jewellery | — | — | Standard verified reward rate for Zen Signature Credit Card on JewelleryDetails
|
| Telecom | — | — | Standard verified reward rate for Zen Signature Credit Card on TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹1,500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹1,50,000
annual spend
Reward caps
- Education — ₹70,000 / statement (per category — Education)
- Insurance — ₹70,000 / statement (per category — Insurance)
- Utilities — ₹50,000 / statement (per category — Utilities)
- Government — ₹40,000 / statement (per category — Government)
Spending thresholds
- Spend ₹1,50,000 per card year → annual fee waived
Key benefits
Rewards
10 Zen Points/₹150 on shopping
Fee waiver
Annual fee waived on ₹1,50,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Education rewards are capped at ₹70,000 / statement (per category — Education)
- Insurance rewards are capped at ₹70,000 / statement (per category — Insurance)
- No reward on: Rent, Fuel, Wallet
- Spend ₹1,50,000 per card year → annual fee waived
Who should consider this card
✓ Good fit if
- Your spending is concentrated in shopping, education, insurance
- You can reach the ₹1,50,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, fuel, wallet, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 4 caps · 3 no-reward categories
Caps
- Education — ₹70,000 / statement (per category — Education)
- Insurance — ₹70,000 / statement (per category — Insurance)
- Utilities — ₹50,000 / statement (per category — Utilities)
- Government — ₹40,000 / statement (per category — Government)
Categories with no reward or not eligible
- Rent — No reward.
- Fuel — No reward.
- Wallet — No reward.
Milestones · 1 recorded
- Spend ₹1,50,000 per card year → benefit worth ₹1,500 — Annual fee waiver at ₹1.5 lakh annual retail spend.
Eligibility
Subject to Kotak's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas
4 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-23
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-23
Documents used