The Kotak White Credit Card vs Kotak Zen Credit Card are performing admirably in their respective fields. Both credit cards are ideal for anyone who enjoys traveling, shopping, or watching movies. Furthermore, Kotak White Credit Card vs Kotak Zen Credit Card includes a variety of other benefits from various categories that distinguish both of them. As a result, the Kotak White Card entitles you to benefits such as lounge access, a welcome gift, a white pass value, Global VIP Pass, cashback, and so on. On the other hand, the Kotak Zen Credit Card offers benefits such as the Welcome Benefit, Zen Points, movie vouchers, rewards, and many more.
Dive deeper into this article to understand the basic pointers of the difference between the Kotak White Credit Card and the Kotak Zen Credit Card.
What is the Difference Between Kotak White Credit Card vs Kotak Zen Credit Card
Kotak White Card and Kotak Zen Card both launched with different intents? However, they somewhat comprise similarities but various other factors distinguish one credit card from the other.
Here are the pointers that showcase the differences between the White Credit Card and Zen Credit Card:
| Points of Difference | Kotak White Credit Card | Kotak Zen Credit Card |
|---|---|---|
| Citizenship Status | As of now only Indian citizens are eligible to apply for the Kotak White Card. | Currently, Indians can reap the benefits of the Kotak Zen Credit Card. |
| Age | If you fall into the age bracket of 28 to 65 therefore, you can obtain a Kotak White Credit Card. | People between the age group of 21 to 65 can only apply for the Kotak Zen Card. |
| Add-on Card | The White Credit Card includes an Add-on Card feature. Following that, you can add your loved one who is over the age of 18. | As per Kotak Mahindra Bank, the Add-on Card applicant for Zen Credit Card is above 18 years old. |
| Welcome Benefit | Spend Rs. 30,000 in 60 days of White Card issuance. Meanwhile, you can earn a White Pass value of Rs. 15,000. | After paying the joining fees of the Zen Card you will get 1500 Zen points as a welcome gift. |
| Reward Points | Get a White Pass Value of up to Rs. 27,000 on spending Rs. 12 Lakh annually | Similarly, earn exclusive 15,000 Zen Points on crossing annual spends of 6,00,000 per year. |
| Priority Pass Membership | The Kotak White Card comes with a $99 Priority Pass membership. | You can get a Priority Pass membership for up to a year with the Zen Kotak Card. |
| Complimentary Lounge Access | Consequently with the above benefits the White Credit Card is backed with 4 airport lounge access in India. Further, 8 international airports lounge visits. | Enjoy 8 complimentary domestic lounge visits. Moreover, 3 international lounge access with the Zen Credit Card. |
| Fuel Surcharge Waiver | Up to 1% fuel surcharge with the Kotak White Credit Card. | You will get a 1% fuel surcharge waiver across fuel stations in India using the Kotak Zen Credit Card. |
| Railway Surcharge | Book your train tickets through www.irctc.co.in and get a chance to save 1.8% to 2.5% on railway tickets. | Likewise, you can get a straight discount of up to 1.8% to 2.5% on booking train tickets from www.irtc.co.in. |
| EMI | Convert your monthly purchase of up to Rs. 2500 into easy EMIs. | Zen Credit Card Kotak hasn’t yet come with any EMI feature. |
| Card Insurance Coverage | Not with standing the above benefit White Credit Card Kotak will also get card insurance protection of up to Rs. 2,50,000. | Zen Credit Card doesn't have any card insurance plan. |
| Priority Attend | Simply send a text KPRIVY to 5676788 anytime you need assistance. | To resolve any issue SMS KPRIVY to 5676788. Therefore, Kotak’s dedicated team will help you with that. |
Kotak White Card vs Kotak Zen Card- Fees and Charges
The White Credit Card and Zen Credit Card rank high on the list of Best Credit Cards. As previously stated, they provide an exceptional set of benefits. However, the fees for both of them differ. The Kotak White Card is a premium credit card, whereas the Kotak Zen Credit Card has a nominal joining fee.
The fees for both cards are as follows:
| Particular | Kotak White Credit Card | Kotak Zen Credit Card |
|---|---|---|
| Joining Fee | INR 3000 | INR 1500 |
| Annual Fee | INR 3000 Easily waive the annual fees of White Card by spending INR 5 lakhs per annum. | INR 1500 You can waive the annual charges with annual spending of INR 1.5 Lakh. |
| Add-on Card | NIL | INR 299 |
| Interest Charges on outstanding Balances | 3.1% p.m | 3.5% p.m |
| ATM Cash Withdrawal | INR 300 | INR 300 |
| Late Payment Charges | - A late payment fee of INR 100 is applied to amounts less than or equal to INR 500. - Pay up to INR 500 for amounts between INR 501 and INR 10,000. - Similarly, for amounts greater than INR 10,000, a fee of INR 700 is levied. | - A fee of INR 100 is imposed for amounts equal to or less than INR 500. - A late payment fee of INR 500 is applied to amounts ranging from INR 501 to INR 1000. - For amounts greater than INR 10,000, a late payment fee of INR 500 is required. |
| Over Limit Charge | INR 500 | INR 500 |
| Cheque Bounce Charges | INR 500 | INR 500 |
| Foreign Currency Mark Up | 3.50% | 3.5% |
| Replacement Card | INR 100 | INR 100 |
Conclusion
Kotak Mahindra Bank is the credit card industry’s pioneer. Furthermore, you can get all of your financial services needs to be met in one location. Kotak Mahindra Bank offers some of the Best Kotak Credit Cards that have dominated the market. Credit cards are appearing everywhere to meet the user’s daily needs. Meanwhile, you must determine where the majority of your spending is going and what you expect to gain from it. Furthermore, we can conclude that both the Kotak White Card and the Kotak Zen Card are extremely popular and provide high-yielding satisfaction. You can read the above specific recommendations and then choose the one that best fits your needs.
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