Zen Signature Credit Card

Joining fee

₹1,500

Annual fee

₹1,500

Fee waiver

Waived above ₹1,50,000 annual spend

Forex markup

3.5%

Reward points

• Other online shopping, Everything else: 1.3333%Shopping — apparel, lifestyle goods, departmental stores, jewellery. Shares a combined 6,500-point-per-billing-cycle cap with the base rate below.
• Everything else: 0.6667%All other spends. Shares the same combined 6,500-point-per-billing-cycle cap.

A railway surcharge waiver of up to ₹500/year also applies (1.80% online / 2.50% other bookings), alongside the fuel surcharge waiver.

• Education, Insurance, Utilities: Effective 1 June 2025: education and insurance capped at ₹70,000/cycle, utility at ₹50,000/cycle, government spend capped at ₹40,000/cycle; wallet loading, fuel, rent, and online skill-based gaming are excluded entirely.

Domestic lounge

2/quarter

International lounge

3/year

Forex markup

3.5%

Domestic access gated by ₹75,000 quarterly spend, effective 1 June 2025. International access via 3 complimentary Priority Pass visits/year, primary cardholder only ($1 validation charge, auto-refunded within 7 working days).

Minimum age

21 years

Minimum monthly income

₹40,000

• •The annual fee is waived once you spend 1,50,000 in a year.
• •It includes airport lounge access, useful if you travel by air a few times a year.

Taken from Kotak Mahindra Bank's own published terms. Last verified 30 August 2026