Kotak Zen
by Kotak Mahindra Bank · Data verified 2 days ago
Wellness-focused card with health and fitness benefits
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- 10 Zen Points per ₹150 on Apparels, Lifestyle, Jewellery & Departmental Stores
- 8 complimentary domestic airport lounge visits per year (2 per quarter)
- 3 complimentary international lounge visits per year via Priority Pass
- Milestone bonus of up to 15,000 Zen Points on annual spends
- Annual fee waived on spending ₹1,50,000 in previous anniversary year
Things to Consider
- High foreign currency markup of 3.5% + GST
- Zen Points value is modest when redeemed for vouchers/merchandise
- No movie ticket discounts or golf privileges
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Shopping BONUS | 7 pts/₹100 | 10 Zen Points per Rs. 150 on online shopping |
| Dining | 3 pts/₹100 | 5 Zen Points per Rs. 150 on dining |
| Fuel | — | 1% fuel surcharge waiver; no reward points on fuel |
Domestic Lounges
8 per year
Int'l Lounges
3 per year
Fuel Savings
₹3,500/mo
Lost Card Cover
₹0
Add-On Card
₹299
Dining
- •Reward points/cashback earned on dining transactions
Shopping
- •5X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •8 complimentary domestic lounge visits annually (2 per quarter)
- •3 complimentary international lounge visits annually
Special Offers & Features
- •Spend Rs. 30,000 within 60 days and receive a voucher worth Rs. 1,500
- •Reward points capped at 6,500 per billing cycle
- •1.8% railway surcharge on IRCTC, 2.5% on counters; max ₹500/financial year
- •Reward points cap: 6,500 Zen Points per billing cycle
- •Railway surcharge waiver: 1.8% on IRCTC, 2.5% at counters, capped at Rs.500/year
Reward Transfer Partners
Accor Live Limitless
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to Kotak Mahindra Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on Kotak Zen
Bloom Hotels
Experience vibrant, contemporary stays with Bloom Hotels across India. Kotak Credit Cardholders enjoy flat 25% instant discount up to ₹2,500 on room reservations.
Step 2: Choose your destination city and stay dates with minimum booking ₹3,000.
Step 3: Enter promo code KOTAKBLOOM at payment screen.
Step 4: Pay with Kotak Mahindra Bank Credit Card to get flat 25% instant discount.
Valid on direct bookings at stayatbloom.com only. Minimum booking value of ₹3,000 required. Maximum instant discount is ₹2,500 per booking. Subject to room availability at participating Bloom Hotel properties across India.
MakeMyTrip
Fly for less across India with Kotak Mahindra Bank and MakeMyTrip. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flight bookings of ₹5,000 and above.Book IndiGo, Air India, Akasa Air, and SpiceJet flights with code KOTAKMMT for immediate upfront savings.
Step 2: Search for domestic flights across any Indian carrier with minimum booking amount ₹5,000.
Step 3: In the coupon code input box on the payment page, enter KOTAKMMT.
Step 4: Pay using any Kotak Mahindra Bank Credit Card to deduct up to ₹1,500 instantly.
Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required excluding taxes. Maximum discount is capped at ₹1,500 per booking. Valid once per cardholder per calendar month. Not applicable on corporate or commercial cards.
Croma
Upgrade your digital life with electronics at Croma. Kotak credit cardholders receive up to ₹4,000 instant discount on premium tech, home appliances, and audio gear.
Step 2: Add eligible consumer electronics, televisions, or laptops worth ₹20,000+.
Step 3: Choose Kotak Bank Credit Card offer at payment checkout.
Step 4: Complete transaction to enjoy an instant discount up to ₹4,000.
Valid on Kotak Debit Card EMI and Kotak Credit Card EMI transactions. Maximum instant discount Rs. 2,500.
Zomato
Savor gourmet cuisines and weekend dining with Zomato and Kotak Bank. Get flat 15% instant discount up to ₹150 on minimum food orders of ₹599.
Step 2: Add dishes totaling ₹599 or more to your cart.
Step 3: Apply coupon code KOTAKDINING at the order review screen.
Step 4: Pay with any Kotak Mahindra Bank Credit Card to get 15% off up to ₹150 instantly.
Valid on food delivery orders placed via Zomato mobile app. Minimum cart value of ₹599 is required. Maximum discount is capped at ₹150. Valid once per customer per week.
BookMyShow
Catch the newest blockbusters with Buy 1 Get 1 Free movie tickets up to ₹250 on BookMyShow using Kotak credit cards.
Step 2: In the payment section, select Kotak Credit Card offer under 'Unlock Offer or Apply Promocodes'.
Step 3: Settle the balance with your Kotak Credit Card.
Valid on minimum booking of 2 tickets. Free ticket discount capped up to ₹250. Available on select Kotak credit cards (Privy, League, Zen).
Swiggy
Order your favorite meals on Swiggy and get flat 15% instant savings up to ₹100 using Kotak credit cards with coupon KOTAK100.
Step 2: Apply coupon code KOTAK100 on checkout.
Step 3: Pay using any Kotak Mahindra Bank Credit Card.
Valid on minimum spend of ₹499. Maximum discount ₹100. Valid once per card per month on food orders.
EaseMyTrip
Enjoy up to ₹8,000 off on EaseMyTrip travel bookings with Kotak Bank Credit Card EMI using promo code KOTAKEMI (Domestic Flights: Flat 10% instant discount up to ₹1,800 on MOV ₹5,000).
Step 2: Enter promo code KOTAKEMI on payment page.
Step 3: Complete payment using Kotak Mahindra Bank Credit Card EMI.
Valid on Kotak Bank Credit Cards EMI transactions on EaseMyTrip using code KOTAKEMI: Domestic Flights Flat 10% up to ₹1,800 (MOV ₹5,000), International Flights Flat 10% up to ₹5,000 (MOV ₹15,000), Domestic Hotels 15% up to ₹4,000, International Hotels 15% up to ₹8,000.
Frequently Asked Questions
Everything you need to know about Kotak Zen
- • Min age: 21 years
- • Salaried: ₹40,000/month min
- • Self-employed: ₹40,000/month min
- • CIBIL: 700+ recommended
- ✓ Domestic: 8 per year
- ✓ International: 3 per year
- → 8 complimentary domestic airport lounge visits per year (max 2 per calendar quarter) via Dreamfolks
- → 3 complimentary international airport lounge visits per calendar year via Priority Pass
- • Instant: Pre-approved Kotak Mahindra Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for Kotak Zen today and unlock amazing rewards and premium experiences.
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