Kotak Zen Signature Credit Card
10 Zen points per ₹150 at qualifying apparel/lifestyle stores, 5 elsewhere, at ₹0.20 per point in statement value.
Try your spend →How this estimate works
Kotak Zen Signature earns 10 points per complete ₹150 at apparel, lifestyle goods, department stores and jewellery, and 5 per ₹150 on other eligible spends. The calculator assigns 10 only to the Myntra apparel chip, subject to the actual merchant code, and 5 to other supported ordinary spending. The bank caps all reward earnings at 6,500 points per billing cycle; the model caps one projected monthly transaction but cannot know other card spending against the shared cap. Since June 2025, statement cashback value is ₹0.20 per point with a 2,000-point redemption minimum. A year of twelve equal purchases below that point minimum scores no usable cash value, although the points could carry over or be used differently. Shopping and other rewards may yield ₹0.25 each, not assumed. Fuel, wallets, rent and skill gaming earn no points; education, insurance, utilities and government have statement-cycle caps and are not modeled on their generic routes. Kotak lists ₹1,500 joining and ₹1,500 annual fees, with the annual fee waived at ₹1.5 lakh retail spend. We deduct one ₹1,500 plus estimated GST annual fee without assuming waiver; the first-year joining fee is separate and not included in this recurring-year comparison. Annual milestone bonus at ₹3/6 lakh, lounge benefits and fuel surcharge waiver are omitted. Confirm merchant code, cap room, redemption and fees.
Issuer terms
Kotak Zen Signature rewards, caps and exclusions · Kotak cash point value and redemption minimum · Kotak joining/annual fees and waiver
Terms checked 29 September 2026. Compare your actual merchant, statement fee and redemption options.