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Kotak Mahindra Bank · Kotak Mahindra Bank
White Signature vs Zen Signature
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
42composite score
95% rule confidence
95% rule confidence
Winner
58composite score
82% rule confidence
82% rule confidence
Annual fee
₹3,000
₹1,500
Network
Visa
Visa
Base reward rate
1%
3.33%
Min. income (monthly)
₹75,000
—
Min. credit score
720+
—
Best for
Dining
Everyday spends
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Zen Signature edges out for most wallets.
- Better base rate, 3.33% vs 1% on everything outside a bonus bucket.
- Lighter annual fee, ₹1,500 vs ₹3,000.
Composite score
White Signature42
Zen Signature58
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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