Kotak Mahindra Bank
Kotak Zenith Credit Card
Best for premium, rewards
₹10,000/yr annual fee · 4x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹10,000/yr
Reward rate
4x
Min. income
₹15,00,000
Forex markup
Not published
Lounge access
Domestic + international (2 visits/yr)
Eligibility
₹15 lakh/yr · CIBIL 750+
Reward cap
Cap per category varies
Welcome benefit
Premium milestones incl. Taj/ITC vouchers
Who is this for
- Premium cardholder
- Rewards optimiser
What we like
- 8 domestic lounge visits/year (2/quarter)
- Priority Pass (2 international visits/year)
Watch out for
- ₹10,000 non-waiver joining fee
- ₹1,100 late-payment fee
- 2.5% cash-advance fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Fuel surcharge | 1% | 1% waiver on eligible fuel transactions (band per issuer schedule) |
| Joining fee | ₹10,000 | Not waivable |
| Annual fee | ₹10,000 | On ₹10,00,000+ annual spend |
| Forex markup | Not published | Not waivable |
| Late payment | ₹1,100 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Renewal fee | ₹10,000 | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 5x rewards on select categories; 2 RP per ₹100 on others | Cap per category varies | 1 RP = ₹0.25 |
| TRAVEL | 10.00 | ₹5,000/month | 0.50 |
| DINING | 10.00 | ₹5,000/month | 0.50 |
Benefits
-
Domestic lounge access
8 domestic/year (2 per quarter)
-
International lounge access Highlight
Priority Pass (2 visits/year)
-
Milestone benefits Highlight
Premium milestones incl. Taj/ITC vouchers
-
Fuel surcharge waiver
1% waiver
Eligibility
- Age
- 21–65 years
- Min. income
- ₹15,00,000
- Min. credit score
- 750+
- Score note
- Excellent credit score
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, ITR, salary slips, bank statements
Kotak Zenith Credit Card is a VISA credit card from Kotak Mahindra Bank. It is best suited for premium, rewards.
Fees and rewards
- Annual fee: ₹10000
- Joining fee: ₹10000
- Rewards: 5 reward points per ₹100
Eligibility
PAN, Aadhaar, ITR, salary slips, bank statements
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Apply for Kotak Zenith Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the Kotak Zenith Credit Card worth it?
What is the annual fee for the Kotak Zenith Credit Card?
How does the Kotak Zenith Credit Card reward rate work?
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What are the eligibility requirements for the Kotak Zenith Credit Card?
Does the Kotak Zenith Credit Card offer airport lounge access?
What is the forex markup on the Kotak Zenith Credit Card?
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