Kotak Zen Credit Card
Get 10 Zen points for every ₹150 spent on shopping
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 1.67% travel · 1.67% dining · 1.67% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs American Express MRCC
At ₹50,000/month with 15% travel and 10% dining.
Tools for Kotak Zen Credit Card holders
Frequently asked
Is the Kotak Zen Credit Card worth the ₹1,500 fee?
It depends on your spend. The Kotak Zen Credit Card earns 1.67% base reward and waives the annual fee at ₹1,50,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for Kotak Zen Credit Card?
Kotak hasn't published a hard minimum income for Kotak Zen Credit Card. Approval depends on credit score, existing relationship, and employment type.
Reward rates and fees are sourced from Kotak's product page and may change. Always confirm with the card issuer before applying.