Zen Signature credit card
10X points on apparel, department stores and travel; 8 domestic lounges.
Source: Kotak Mahindra Bank – Zen Signature product page · last reviewed 2026-09-12
Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.
Why it fits – and what to watch
hover any tile for the detail! Not a RuPay card – your UPI QR spends cannot go on it.
Where the money comes from
₹4,483/yr · 1.4%UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).
How the score of 52 is built
weights total 100% · methodologyAirport lounges with this card
Open Lounge Finder →How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.
DEL Delhi 4 lounges
- ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
- ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
- ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
- ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
- ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
- ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
- ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
- ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
- ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
- ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
- ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
- ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
- ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
- ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
- ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
- ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
+ 30 more airports in the Lounge Finder.
Card facts
At a glance
- Lounge access
- Milestone points
- Low waiver
- Weak base
- ₹0.25 points
- Bills excluded
Community Q&A on the Zen Signature
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the Kotak Mahindra Bank Zen Signature?
Joining fee ₹1,500 and renewal fee ₹1,500, plus 18% GST (₹1,770 a year). The renewal fee is waived if you spend ₹1,50,000 in the card year.
Does the Zen Signature give airport lounge access?
8 domestic/yr. 8 domestic per year.
How much can I save with the Zen Signature?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹4,483 a year, an effective savings rate of 1.4% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the Zen Signature's reward exclusions and caps?
No rewards on fuel, rent, utilities, insurance, education. 10 Zen points/₹150 on apparel, department stores, travel: capped at ₹1,000 a month
Sources
Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.