cards / credit / kotak mahindra bank / kotak-zen-credit-card
KOTAK
4242 •••• •••• ••••
YOUR NAME HERE
VISA
↑ Your name appears embossed when you sign in.
§ BENEFITS
lounge
Domestic Lounge Access
4 complimentary domestic airport lounge visits per quarter
4 visits/quarter
rewards
5X Reward Points on Dining & Travel
Earn 5X reward points on dining and travel transactions
5X points
fuel
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹6,00,000
- Min monthly salary
- ₹50,000
- Age
- 21 – 65
- Min credit score
- 720
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹1,500
- Annual fee
- ₹1,500
- APR (monthly)
- 3.50% p.m.
- APR (annual)
- 42.00% p.a.
- Late payment fee
- ₹800
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding GST
† Excluding GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹500
- Max txn
- ₹4,000
- Max waiver / cycle
- ₹200
- Networks
- All
§ LIMITS
- ATM / day
- ₹50,000
- POS + e-com / day
- ₹3,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹20,00,000
- Permanent disability
- ₹20,00,000
- Air accident
- ₹20,00,000
- Travel insurance
- ₹10,00,000
- Baggage
- ₹50,000
- Lost-card liability
- ₹2,50,000
- Purchase protection
- ₹2,50,000
† within 24 h of loss
† 90 days
§ REWARDS
- Programme
- Kotak Reward Points
- Earn rate
- 5X on dining/travel, 1X on others
- Point value
- ₹0.25
- Effective cashback
- 1.25%
- Min redemption
- 100 pts
- Expiry
- 2 years from date of accrual
§ LOUNGE
- Domestic
- Per quarter
- International
- Not available
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹2,000 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with Kotak Mahindra Bank and earns no commission on applications.