Kotak Zen Signature Credit Card

Introduction :

One excellent addition to the credit options is the Kotak Zen Credit Card. This card combines convenience, flexibility, and a number of exclusive benefits to meet the varied needs of modern consumers.

Features :

• Milestone program
  • Cardholders are eligible to receive 7500 bonus Zen points if they spend Rs. 3 lakhs during an anniversary year.
  • They also earn 15000 bonus Zen points in an anniversary year if they spend Rs. 6 lakhs.

(*After the anniversary period has passed, bonus Zen points are added to your card account if you are eligible.)

• Welcome gift
  • After paying the Rs. 1,500 joining fee, you receive 1500 Zen points as a welcome gift. This feature is not available for free credit cards.
• access with priority pass
  • In addition to three complimentary visits to priority pass international lounges annually at over 1300 lounges, cardholders are entitled to a free priority pass membership.
  • Priority pass cards will be provided free of charge to the primary cardholder only upon request if they have made at least four purchases in the preceding 12 months.
  • However, the cardholder may choose to purchase a paid priority pass for Rs. 2000 (plus taxes) if they haven’t made four transactions in the preceding year.

Charges :

1. Annual Fee – Rs. 1500
2. Joining Fee – Rs. 1500
3. Interest Charges – 3.5% per month | 42% per annum
4. Late Payment Charges –
   • If the outstanding balance is 500 rupees or less, you will be charged Rs. 100.
   • If the outstanding balance is between Rs. 500 to Rs. 10,000, you will be charged Rs. 500.
   •   You will be charged Rs. 700 if the remaining balance is more than Rs. 10,000.

Eligibility Criteria :

• The individual must be a citizen of India.
• A minimum age of 21 and a maximum age of 65 must be specified.
• The additional cardholder must be older than eighteen.
• A minimum net yearly income of Rs. 4.8 lakh is required.

Benefits :

• advantages of travel
  • Eight complimentary airport lounge visits (two per quarter) within India are available to cardholders.
• Waiver of fuel surcharge
  • Credit card reward points are not awarded to cardholders for transactions or purchases involving fuel.
  • The 1% fuel cost waiver is applicable to transactions between Rs. 500 and Rs. 3000, though.
  • A maximum of Rs. 3500 in fuel surcharge waivers are available to them each anniversary year.
• Waiver of railway surcharge
  • A 1.8% railway surcharge can be eschewed for transactions made via www.irctc.co.in.
  • Additionally, cardholders can save 2.5 percent when they make purchases at Indian Railways Booking Counters.

How To Apply :

Apply through our website www.quickpolicy.in/kotak Apply Now

Reward points (zen points) :

• A cardholder can earn 10 Zen points for every Rs. 150 spent on shopping (including apparel, department stores, jewelry, and lifestyle goods) with a Kotak Zen credit card.
• The cardholder receives 5 Zen points on any additional purchase of Rs. 150, with the exception of cash transactions, fuel purchases, and EMIs.

Documents Required : 

1. Identity Proof: Valid government-issued ID card.

2. Address Proof: Utility bills or any document verifying the applicant’s address.

3. Income Proof: Salary slips, income tax returns, or other documents validating financial capacity.

Conclusion :

To sum up, the Kotak Zen Credit Card is a shining example of contemporary financial ease. This credit card is made to fit your lifestyle thanks to its many features, special offers, and easy transactions. With the Kotak Zen Credit Card, maximize every purchase and improve your financial experience.