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Last updated: 17 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 7.5% Instant Discount
A masterclass in shopping value: Enjoy a flat 7.5% instant discount on all Myntra purchases (capped at ₹750 per transaction). Earn an accelerated 5% cashback on preferred partners including Swiggy, Swiggy Instamart, PVR, Cleartrip, and Urban Company (capped at ₹1,000 per month). Enjoy a solid 1.25% unlimited cashback on all other eligible offline and online retail expenditures.
Redeem for
The privileges that come bundled in, beyond the reward points.
Quarterly Milestone: Elevate your cinematic experience by unlocking 2 complimentary PVR movie tickets (worth ₹250 each) upon spending ₹50,000 in a calendar quarter
Lounge Access: Enjoy 1 complimentary domestic airport lounge visit per calendar quarter (subject to a minimum spend of ₹50,000 in the preceding quarter)
Effortless Fee Waiver: The ₹500 annual renewal fee is entirely waived upon crossing an annual spend threshold of ₹2,00,000
Swiggy Insider: Complimentary membership to Swiggy One (on select promotional periods) enhancing your dining and delivery benefits
An honest read on where this card earns its keep — and where it doesn't.
Unbeatable 7.5% instant discount on Myntra that applies directly at checkout
Excellent 5% cashback ecosystem covering highly utilized apps like Swiggy
Instamart, and Urban Company
Offers an incredibly strong base cashback rate of 1.25% on general spending
Fantastic quarterly milestone benefit (free PVR tickets) rewards consistent usage
₹750 cap per transaction for the 7.5% Myntra discount
The ₹1,000 monthly cap on the 5% preferred partner categories limits heavy spenders
Airport lounge access requires a significant quarterly spending hurdle (₹50,000)
High annual fee waiver target of ₹2 Lakhs for a ₹500 tier card
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Kotak Mahindra Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Kotak Myntra Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for Kotak Myntra Credit Card.
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Everything you need to know about Kotak Myntra Credit Card fees, reward conversion, lounge access, and application eligibility.
Kotak Myntra Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Kickstart your fashion journey with a complimentary ₹500 Myntra e-Gift Voucher, instantly offsetting your first-year joining fee.".
Kotak Myntra Credit Card earns Direct Discount & Cashback at a primary rate of Up to 7.5% Instant Discount. Specifically, A masterclass in shopping value: Enjoy a flat 7.5% instant discount on all Myntra purchases (capped at ₹750 per transaction). Earn an accelerated 5% cashback on preferred partners including Swiggy, Swiggy Instamart, PVR, Cleartrip, and Urban Company (capped at ₹1,000 per month). Enjoy a solid 1.25% unlimited cashback on all other eligible offline and online retail expenditures.. Spends in Cashback, Shopping, Lifestyle categories provide the maximum valueback per transaction on this card.
Yes, because Kotak Myntra Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Rewards earned on Kotak Myntra Credit Card can be redeemed for Instant Discount at Myntra Checkout, Auto-Credited Cashback to Statement via Kotak Mahindra Bank's official rewards portal or mobile banking app. Points typically carry a multi-year validity period, though regular redemption against high-value vouchers or statement balances is advised.
Yes, Kotak Myntra Credit Card features complimentary airport lounge privileges. Privileges include: "Lounge Access: Enjoy 1 complimentary domestic airport lounge visit per calendar quarter (subject to a minimum spend of ₹50". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 720 or above is strongly recommended for approval of Kotak Myntra Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Kotak Myntra Credit Card levies a forex markup fee of 3.50% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Kotak Myntra Credit Card currently features a welcome offer: "Kickstart your fashion journey with a complimentary ₹500 Myntra e-Gift Voucher, instantly offsetting your first-year joining fee.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Unbeatable 7.5% instant discount on Myntra that applies directly at checkout and Excellent 5% cashback ecosystem covering highly utilized apps like Swiggy. However, keep in mind that ₹750 cap per transaction for the 7.5% Myntra discount and The ₹1. Overall, Kotak Myntra Credit Card delivers strong value if your regular spending aligns with Cashback, Shopping, Lifestyle.
You can apply for Kotak Myntra Credit Card directly through Kotak Mahindra Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
