Kotak Zen vs Union Bank Visa Signature
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Kotak Zen Credit Card wins 5 of 8 dimensions with a CardTrail Score of 7.9/10 vs 7.1/10.
| Feature | Kotak Zen | Union Bank Visa Signature |
|---|---|---|
| CardTrail Score | 7.9/10 | 7.1/10 |
| Annual Fee | ₹1,500 | ₹250 |
| Base Reward Rate | 1% | 0.5% |
| Max Reward Rate | 3% | 2% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 2 |
| International Lounges | 3 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
When to Choose Kotak Zen
- You can meet the fee waiver condition: Rs. 1.5 lakh annual retail spends
- You want higher rewards — up to 3% vs 2%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: general, value
When to Choose Union Bank Visa Signature
- You can meet the fee waiver condition: Spend ₹1L/year
- Your primary spend is: general, rewards
Annual Fee Value Analysis
To break even on Kotak Zen's ₹1,500 fee at 1% rewards, spend ₹12,500/month.
To break even on Union Bank Visa Signature's ₹250 fee at 0.5% rewards, spend ₹4,167/month.