Myntra Kotak Credit Card
Kotak Mahindra Bank · RuPay
Why this card?
- 7.5% cashback on online shopping at Myntra; 1.25% on other spends
- ₹500 joining and annual fee; renewal fee waived on ₹2 lakh yearly spend
Card details
- Issuer
- Kotak Mahindra Bank
- Network
- RuPay
- Annual Fee
- ₹500
- Joining Fee
- ₹500
- Reward Type
- cashback
- Best Reward Rate
- 7.5% on online shopping at myntra
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹20,000
- Rates verified
- 2026-10-06
Our verdict
Myntra Kotak gives a 7.5% instant discount on Myntra (up to ₹750 per transaction) and 5% back on a few partners such as Swiggy, Instamart, Cleartrip, PVR and Urban Company, making it genuinely valuable for fashion shoppers. Beyond these partners rewards drop to 1.25%, so this works best as a dedicated fashion card alongside a broader everyday card.
Pros
- 7.5% instant discount on Myntra, up to ₹750 per transaction
- 5% on Swiggy, Instamart, Cleartrip, PVR and Urban Company, up to ₹1,000 per billing cycle combined
- Unlimited 1.25% cashback on other online and offline spends
- Annual fee waived at ₹2L annual spend
Cons
- Benefits almost entirely Myntra-focused — 1.25% elsewhere is modest
- No lounge access, no travel benefits
- No fuel surcharge waiver — unusual omission at this price point