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Myntra Kotak Credit Card
Movies
Cashback
1st Year Fee: ₹500* Plus Applicable Taxes
Shopping
Instant 7.5% discount on all Myntra spends
Cashback
5% cashback on Swiggy, Cleartrip & more
Movies
Free PVR movie tickets every quarter
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About Myntra Kotak Credit Card
Myntra Kotak Credit Card is a co-branded card suitably designed for Myntra loyalists. In addition to providing direct discount on Myntra, the card provides accelerated cashback across other popular brands like Swiggy, Swiggy Instamart, PVR, Cleartrip and Urban Company.
Myntra Kotak Credit Card has an edge over other co-branded cards for two key reasons. First, it provides a direct discount at checkout rather than cashback or reward points, keeping the value-back simple for shoppers. Second, the discount rate of 7.5% is notably higher than the typical 5% offered by most cashback or co-branded cards. Though cashback is capped at Rs. 75- per transaction, cardholders can maximize value by splitting their purchases across multiple transactions.
Note: Myntra Kotak Credit Card has been discontinued from 10th July 2025. Cardholders will get Kotak League Platinum or Kotak Zen Signature Card, based on their profile and eligibility. Read more.
Co-branded Benefits at Myntra
Welcome Benefit
- Myntra voucher worth Rs. 500 applicable on spending Rs. 500 or more within 30 days of card issuance
Myntra Insider Membership
- Complimentary Myntra Insider membership which entitles users to early access to sales, free shipping on all purchases and exclusive rewards and benefits
Discount on Myntra
- Flat 7.5% discount on all Myntra spends
- Maximum discount of Rs. 750 per transaction
- No minimum transaction amount and no maximum capping on the number of transactions
Other Features & Benefits
- 5% cashback on spends at partner merchants- Swiggy, Swiggy Instamart, PVR, Cleartrip and Urban Company1
- Unlimited 1.25% cashback on spends at other categories2 including UPI transactions3
- 2 complimentary PVR tickets every quarter4
- 1 complimentary domestic lounge access per quarter
- 1% fuel surcharge waiver on transactions between Rs. 300 and Rs. 3,0005
Also Check: Best Credit Cards In India
Note: UPI linked benefits on the card are available only on the RuPay variant.
Myntra Kotak Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 + Taxes | ||||||||||||||||
| Annual/ Renewal Fee | Rs. 500 + Taxes (Waived off on spending Rs. 2 lakh in a year) | ||||||||||||||||
| Finance Charges | 3.70% p.m. | 44.40% p.a. | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You frequently shop at Myntra and can make the most of direct discount
You often shop with other partner merchants like Swiggy, PVR, Cleartrip and more
You can easily spend Rs. 50,000 in a quarter to avail free PVR tickets
You wish to get a Rupay credit card in order to earn cashback on UPI transactions
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What do we like about this card?
Despite being a co-branded credit card, Myntra Kotak Card does not limit its benefits solely to Myntra. It extends cashback benefits across other partners like Swiggy, Swiggy Instamart, PVR, Urban Company, and Cleartrip, allowing users to maximize benefits across other categories as well. For example, the 5% cashback on PVR and Cleartrip, when clubbed with free movie tickets each quarter and complimentary lounge access, respectively, can translate to good value for consumers looking for benefits on movies and travel. Additionally, the base cashback rate of 1.25% across all online and offline spends including UPI transactions is a strong offering for consumers looking for consistent value across everyday spending.
Pros
- Direct discount instead of cashback or rewards
- Extended benefits beyond Myntra to other partner brands
- Unlimited base cashback rate
- UPI linked credit card benefits
- Lounge access is not spend-based
Cons
- Other lifestyle benefits are limited
- Capping on discount and cashback earning
- Benefit on PVR movie tickets is spend-based
- Exclusions from cashback program
Conclusion
Myntra Kotak Credit Card is well-suited for frequent Myntra shoppers, given the 7.5% instant discount on Myntra purchases (capped at ₹750 per transaction) with no limit on the number of eligible transactions.. However, those who are not loyal to Myntra or other partner brands and prefer broader cashback across all online spends should consider alternatives like Cashback SBI Card or YES Bank Paisabazaar PaisaSave Credit Card.
Frequently Asked Questions
Everything you need to know about this credit card
Footnotes
- Cashback on partner brands is capped at Rs. 1,000 per statement cycle.
- Exclusions from cashback program: Rent, wallet and fuel, insurance, utility, govt., education spends above Rs. 70,000 and online gaming.
- Exclusions for UPI linked benefits: Rent, Wallet, Fuel, EMI transactions, Education, UPI transactions below or equal to Rs. 2000.
- Complimentary movie tickets are part of milestone benefits, subject to spending Rs. 50,000 every quarter.
- Fuel surcharge waiver is capped at Rs. 3,500 in a year.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
