Kotak Zen Signature Credit Card 2025
Save up to ₹2,80,000+ every year with 10X luxury, unlimited lounge, ₹10K vouchers & golf!
If you shop luxury fashion, jewellery or watches and want elite travel perks, the Kotak Zen Signature Credit Card is currently the best luxury card under ₹10K fee in India!
You get 10X reward points on luxury brands, ₹10,000 vouchers every year, unlimited lounge access worldwide (self + guest), 12 complimentary golf rounds, low 1.99% forex markup, metal card, concierge, and ₹10,000 annual fee completely covered by benefits.
Reward points = Real Value – redeem for Taj stays, flights, luxury vouchers at high value!
Why This Is The Best Luxury Card Under ₹10K in 2025?
10X luxury brands • Unlimited lounge self+guest • ₹10K vouchers yearly • 12 golf rounds • 1.99% forex • Metal card
Best for: Luxury shoppers, golfers, international travellers, high spenders
Current Offer – ₹10,000 Vouchers + Unlimited Lounge + Golf
Card At a Glance
₹10,000 + GST
₹10,000 + GST
10X luxury | 3X others
Unlimited (Self + Guest)
12 rounds/year
1.99%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹10,000 + GST |
| Annual Fee | ₹10,000 + GST |
| Welcome Benefit | ₹10,000 vouchers + bonus points |
| Foreign Currency Markup | 1.99% + GST |
| Interest Rate | 3.5% per month |
Detailed Reward Rates (2025)
- 10X Reward Points on luxury fashion, jewellery, watches
- 3X Reward Points on all other spends
- Unlimited lounge access worldwide (self + 1 guest)
- 12 complimentary golf rounds/lessons per year
- ₹10,000 vouchers every year
Airport Lounge Access
Unlimited lounge access worldwide for cardholder + 1 guest via Priority Pass
Insurance & Protection Benefits
- ₹5 Crore air accident cover
- ₹50 Lakh overseas medical cover
- Purchase protection & concierge
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10X on luxury brands | ₹10,000 annual fee |
| Unlimited lounge self + guest | |
| ₹10,000 vouchers yearly | |
| 12 golf rounds | |
| 1.99% forex markup |
Eligibility Criteria & Documents Required
- Age: 21–65 years
- Minimum Income: ₹25 Lakh+ p.a.
- Credit Score: 780+
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit Kotak Bank → Credit Cards → Zen Signature
- Click Apply Now → Fill details
- Upload documents → Video KYC
- Card delivered in 10–15 days
Final Verdict – Should You Get It in 2025?
If you shop luxury brands and want unlimited lounge + golf + ₹10K vouchers, Kotak Zen delivers ₹2.8 Lakh+ value every year at just ₹10,000 fee — one of the top luxury cards under ₹10K in India right now. Absolute beast for elite lifestyle!
Frequently Asked Questions (FAQs)
Lounge access?
Unlimited worldwide for self + 1 guest.
10X on which brands?
Luxury fashion, jewellery, watches — unlimited.
Vouchers every year?
Yes, ₹10,000 vouchers annually.
Golf benefit?
12 complimentary rounds/lessons per year.