Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#149 of 173 in credit

Kotak Mahindra Bank

Zen Signature Credit Card

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Premium signature card with reward accelerators & travel perks.

Score breakdown

Data completeness: 80% · Last verified: 06 Jul 2026

Reward value10/100 · weight 65%

≈ 0.51% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +1.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency41/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks32/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹9,999 + 18% GST
= ₹11,799 total
Annual fee: ₹9,999 + 18% GST
= ₹11,799 / year total
Forex markup: 2.5%

Lounge access

Domestic (per year): 8
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
dining	points	1.25%(5 pts @ ₹0.25)	₹2,000 / monthly	—
travel	points	1.25%(5 pts @ ₹0.25)	₹2,500 / monthly	—
all_spends	points	0.38%(1.5 pts @ ₹0.25)	—	—