Myntra Kotak Credit Card
Updated 15 Apr 2026Source-linked
The Myntra Kotak Credit Card is a entry co-branded credit card from Kotak Mahindra Bank and Myntra, with a joining fee of ₹500 + GST.
It earns up to 7.5% back on Myntra spends in the form of cashback.
Cardholders get 4 annual domestic airport lounge access, plus myntra voucher worth ₹500 as a welcome benefit.
Myntra Kotak Credit Card
- Joining Fee₹500
- Annual Fee₹500
- Best Suited ForOnline shopping
- Reward TypeCashback
Rewards Rate
- 7.5% on myntra spends
- 5% on preferred merchants (cap 1000 cashback inr / monthly)
- Base 1.25% on other spends
Welcome Benefits
- Myntra voucher worth ₹500
Rewards and Benefits
Rewards Rate
7.5% on myntra spends
5% on preferred merchants (cap 1000 cashback inr / monthly)
Base 1.25% on other spends.
Reward Redemption
Redeem at ₹1 per unit.
Welcome Benefits
Myntra voucher worth ₹500
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹1,50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- Co-branded entry card by Kotak Mahindra Bank and Myntra.
- Joining / annual fee of ₹500 + GST, waived on annual spends of ₹1,50,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (4/annual).
Pros & Cons
Pros
- Annual fee waivable on ₹1,50,000 spend.
- Complimentary domestic airport lounge access (4/annual).
- Accelerated earn rate of 7.5% on myntra spends.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹500 welcome benefit
- Myntra voucher worth ₹500Joining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 7.5% on myntra spendsMerchants: myntra7.5% instant discount at Myntra checkout.
- 5% on preferred merchants (cap 1000 cashback inr / monthly)Merchants: swiggy, zomato, urbanclap, pvr, cleartrip
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
4 visit(s) / annual. Via dreamfolks.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.
Sources
- : www.kotak.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–65
- Credit score
- 720+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.