Introducing the Kotak Zen Signature Credit Card, where the art lies in spending it wisely. This credit card offers a unique blend of rewards, travel benefits, and milestone rewards, ensuring that every moment you spend with the card is truly rewarding.
Here are the key features and benefits of the Kotak Zen Signature Credit Card:
1. Earn Zen Points: For every Rs. 150 spent on shopping, including apparels, lifestyle goods, departmental stores, and jewellery, you earn 10 Zen Points. For all other spends, you earn 5 Zen Points for every Rs. 150.
2. Bonus Zen Points: Upon crossing annual spends of 3 lakh, you receive 7500 Bonus Zen Points. If you cross 6 lakh spends, you earn a generous 15000 Bonus Zen Points every year.
3. Annual Fee Waiver: Enjoy an annual fee waiver on retail spends of Rs. 1 or more.
4. Welcome Gift: As a new cardholder, you can avail yourself of a welcome gift of 1500 Zen Points.
With the Kotak Zen Signature Credit Card, you can elevate your lifestyle and make the most out of your spending. Experience the harmony of rewards, travel benefits, and milestone rewards that this card offers.
Benefits and Features of Kotak Zen Signature Credit Card
The Kotak Zen Signature Credit Card offers a range of features and benefits, including the opportunity to earn Zen Points and enjoy various travel benefits. Here’s a rephrased version of the information:
Zen Points:
– Earn 10 Zen Points for every Rs. 150 spent on shopping, including apparels, lifestyle goods, departmental stores, and jewellery.
– Earn 5 Zen Points for every Rs. 150 spent on all other transactions, excluding fuel, cash spends, and converted EMIs.
– Accumulate more Zen Points as you shop more.
Bonus Zen Points:
– Receive 15,000 bonus Zen Points when your annual spends reach 6,00,000 or more. This bonus is available every year.
Welcome Gift:
– Upon payment of the joining fee of Rs. 1500, you can avail of a welcome gift of 1500 Zen Points. This offer is not applicable to the free card.
Annual Travel Benefits:
– Complimentary airport lounge access with 8 complimentary visits per year (2 visits per quarter) to Dream Folks Lounges in India.
– Priority Pass access with a complimentary membership and 3 complimentary international lounge visits per year across 1300+ lounges worldwide. The validity of the Priority Pass is one year.
– Additional visits and guest visits may incur charges as per the terms and conditions.
Fuel Surcharge Waiver:
– Enjoy a 1% fuel surcharge waiver on transactions ranging between Rs. 500 and Rs. 3000. The maximum fuel surcharge waiver in each anniversary year is Rs. 3500. Fuel transactions do not earn reward points.
Railway Surcharge Waiver:
– Save on railway surcharges, with a waiver of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions at Indian Railways Booking Counters. The maximum railway surcharge waiver in each anniversary year is Rs. 500.
Priority Attend:
– Request a call back within two hours by sending an SMS “KASSIST” to 5676788.
Add-on Card:
– Add-on cards can be obtained for a fee of Rs. 299, offering the same benefits as the primary card.
– Set spending limits and track spends separately for each add-on card.
Safety Features:
– The card is equipped with an embedded EMV chip for enhanced security.
– Transactions require a 6-digit PIN authentication, adding an extra layer of security.
With the Kotak Zen Signature Credit Card, you can enjoy rewards, travel benefits, and additional security features to enhance your overall credit card experience.
Kotak Zen Signature Credit Card Rewards
Kotak Rewards:
Introducing Kotak Rewards, a simplified point redemption currency for your Kotak credit cards. Use your points to redeem rewards in various categories such as mobile recharge, shopping for over 10,000 products, e-vouchers for different brands, movie tickets (BookMyShow vouchers), travel, and more. Terms and conditions apply. Start redeeming now!
Pay with Reward Points:
Experience the convenience of paying without cash or card by using your reward points.
Bonus and Offers
In addition to earning Zen points on every transaction, you can also qualify for bonus Zen points based on the following spending milestones in each anniversary year:
Milestone:
– Spend Rs. 3,00,000 and earn 7500 bonus Zen points.
– Spend Rs. 6,00,000 and earn 15000 bonus Zen points.
The bonus Zen points will be credited to your card account at the end of the anniversary period, based on your eligibility. Please note that you will be eligible for bonus Zen points based on only one of the milestones achieved during the term. For example, if you have achieved spends of Rs. 6 lakhs, you will be entitled to only 15,000 reward points.
For milestone benefits, all transactions settled during the milestone period will be considered. For example, if the milestone period is from 1st January 2021 to 30th June 2021, transactions settled until 30th June 2021 will be considered for milestone benefits. Any transaction settled after 30th June 2021 will be considered in the next milestone period.
Visa payWave
Introducing Visa payWave, a convenient and secure way to make payments. With your Kotak ZenCredit card, you can enjoy the following benefits:
1. Fast and Convenient Payments: Visa payWave allows you to make quick and hassle-free transactions. Simply wave your credit card on the reader, and you can pay for purchases up to Rs. 5000 without the need for a PIN.
2. Enhanced Security: Contactless payments using Visa payWave are safe and secure. You no longer need to enter your PIN, reducing the risk of unauthorized access. The credit card remains in your hand throughout the transaction, minimizing the chances of card loss or counterfeit.
3. Multi-Layered Security: Visa payWave payments are supported by multiple layers of security measures. These measures ensure that you are protected from fraudulent or unauthorized transactions, providing you with peace of mind while making contactless payments.
Visa payWave offers a fast, convenient, and secure payment solution, making your transactions seamless and worry-free.
Eligibility
To be eligible for the Kotak ZenCredit Credit Card, please ensure that you meet the following criteria:
Primary Credit Card holder:
– Age: The primary cardholder should be between 21 years and 65 years of age.
– Location: Residing in one of the following cities: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, and Pune.
– Net Income: Having a minimum annual net income of Rs. 4.8 lakh or above.
– Residency: Being a resident of India.
Add-on Card holder:
– Age: The add-on cardholder should be 18 years and above.
Please note that meeting these eligibility criteria is essential to apply for the Kotak ZenCredit Credit Card.
Frequently asked questions (FAQs) about the Kotak ZenCredit Credit Card:
1. How can I apply for the Kotak ZenCredit Credit Card?
You can apply for the Kotak ZenCredit Credit Card online through the official Kotak Mahindra Bank website or by visiting a nearby branch. The application process typically involves providing your personal and financial details, along with supporting documents.
2. What are Zen points and how can I earn them?
Zen points are the reward points offered by the Kotak ZenCredit Credit Card. You can earn Zen points on every transaction you make using the card. Earn 10 Zen points for every Rs. 150 spent on shopping (apparels, lifestyle goods, departmental stores & jewellery) and 5 Zen points for every Rs. 150 spent on other categories. These points can be redeemed for various rewards and benefits.
3. Are there any annual fees associated with the Kotak ZenCredit Credit Card?
The annual fees for the Kotak ZenCredit Credit Card can be waived off if you meet the specified criteria, such as reaching a certain threshold of annual retail spends.
4. What are the additional benefits of the Kotak ZenCredit Credit Card?
Apart from earning Zen points, the Kotak ZenCredit Credit Card offers benefits like fuel surcharge waivers, railway surcharge waivers, airport lounge access, priority pass access, and more. These benefits enhance your overall credit card experience and provide added convenience and savings.
5. Is there a joining fee for the Kotak ZenCredit Credit Card?
Yes, there is a joining fee for the Kotak ZenCredit Credit Card. However, upon paying the joining fee, you can avail of a welcome gift of 1500 Zen points.
Conclusion
In conclusion, the Kotak ZenCredit Credit Card is designed to provide a rewarding and convenient experience to cardholders. With its attractive rewards program, milestone benefits, contactless payment feature, and various other perks, this credit card offers a comprehensive package for individuals who want to make the most of their spending and enjoy exclusive privileges.
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