Kotak Mahindra Bank
Platinum · Zen
Kotak Zen Credit Card
Kotak Mahindra Bank
Platinum card with 5X on dining/travel and 4 lounge visits quarterly
Annual Fee
₹1,500
Joining Fee
₹1,500
Reward Rate
1.3%
Forex Markup
3%
Value Analysis
Annual Net Value
₹23,230
Total Annual Benefits
₹25,000
Total Annual Charges
₹1,770
ROI
1312%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (1)
Domestic Lounge Access
4 complimentary domestic airport lounge visits per quarter
- • 4 visits per quarter at domestic lounges
4 visits/quarter
₹32,000/yr
Reward Points (1)
5X Reward Points on Dining & Travel
Earn 5X reward points on dining and travel transactions
- • Valid on dining and travel
5X points
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹200 per statement cycle
1% waiver
₹2,400/yr
Reward Program
Program
Kotak Reward Points
5X on dining/travel, 1X on others
Effective cashback: 1.25%
Points expire: 2 years from date of accrual
Redemption Options
- → Products & Vouchers
- → Cashback (1 RP = ₹0.25)
Bonus Categories
Dining
5x multiplier
5X reward points
Travel
5x multiplier
5X reward points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹1,500 Excluding GST |
| Annual Fee | ₹1,500 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹800
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹200/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹50,000
- Min. Annual Income
- ₹6,00,000
- Min. Credit Score
- 720
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹50,000
- • Self-Employed: ITR > ₹6 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹20.0 L
Permanent Disability
₹20.0 L
Travel Insurance
₹10.0 L
Lost Card Liability
₹2.5 L
Report within 24h
Air Accident Cover
₹20.0 L
Purchase Protection
₹2.5 L
90 days
- • Air accident cover: ₹20 Lakh
- • Travel insurance: ₹10 Lakh
- • Purchase protection: ₹2.5 Lakh for 90 days
- • Lost card liability: ₹2.5 Lakh
Airport Lounge Access
Domestic
4 visits/year
Per quarter
~₹2,000/visit
International
0 visits/year
Not available
Dreamfolks
- • Domestic: 4 complimentary visits per quarter
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility 5X reward points on dining & travel 4 domestic lounge visits per quarter Fuel surcharge waiver
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Kotak Zen Credit Card is a premium Visa Platinum card offering 5X reward points on dining and travel spends, 4 complimentary domestic airport loun...
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