Kotak Zen Credit Card
Kotak · Premium · Visa/MC
Annual Fee
₹1,999
Fee Waiver
₹3L annual spend
Lounge Access
6/year
Best Rate
1%
Network
Visa/MC
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
1%
✈️Travel
1%
🛒Online Shopping
1%
🥦Groceries
1%
💡Utilities
1%
🎬Entertainment
1%
🛍️Shopping
1%
⛽Fuel
0%
How Points Work
4 pts/₹100 on select categories (~1%), 2 pts other (~0.5%) · 8,000 welcome points
Key Benefits
1% on broad categories6 lounge visits/yr8,000 welcome points
PROS
✅ Decent all-round rate
✅ Good lounge access
✅ Generous welcome benefit
CONS
⚠️ ₹1,999 fee
⚠️ 1% is average for this price
⚠️ Kotak limited branch network vs HDFC/ICICI
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