Myntra Kotak Credit Card Review – Unlimited Cashback & Fashion Rewards

Flaunt your style. Flaunt your rewards! Presenting the Myntra Kotak Credit Card – offering Unlimited Cashback, Instant Discounts, Free Shipping, Early Access to Exclusive Sales, and much more. It's time to bring out the fashionista in YOU. Upgrade your wardrobe with exclusive benefits tailored for modern shoppers through this Myntra Kotak Co-branded Credit Card.

Check Myntra Kotak Credit Card Unboxing and Review Video - Click Here

Key Benefits

1. Instant Discount on Myntra

• Discount: 7.5% Instant Discount on all spends across Myntra platforms (mobile app/website).

• Maximum Discount: ₹750 per transaction.

• Note: No cashback on Myntra spends, only an instant discount capped at ₹750 per transaction.

2. Preferred Partners

• Cashback: 5% Cashback on spends across preferred partner categories.

• Maximum Cashback: ₹1000 per statement cycle.

• Exclusions: Transactions/balances converted into EMIs.

• Preferred Partners: Swiggy, Swiggy Instamart, PVR, Cleartrip, Urban Company.

3. Base Cashback

• Rate: 1.25% Unlimited Cashback on spends across all other online and offline merchants.

• Exclusions:

  • Rent Payments (6513).

  • Fuel Spends (5983, 5541, 5542, 5172, 5552).

  • EMI Transactions/Post Purchase EMI.

  • Wallet Loading Transactions (6540).

  • Cash Advances.

4. UPI on Credit Card (RuPay Network)

• Cashback: Eligible for 1.25% Cashback on UPI transactions (excluding exclusion categories).

• Exclusions: Rent, Wallet, Fuel, EMI, and Education Transactions; UPI transactions ≤ ₹2000.

• Note: Cashback is credited within 30 days of transaction settlement.

Activation Benefit

• Reward: Myntra Voucher worth ₹500 on activation of the card.

• Eligibility: Complete one transaction worth ₹500 or more within 30 days of card issuance.

• Delivery: Voucher disbursed via email/SMS within 30 days of activation.

• Note: Valid only for customers paying the joining fee.

Access to Myntra Insider Program

• Membership: Complimentary Myntra Insider Select membership within 45 days of card activation.

• Terms: Subject to Myntra Insider T&Cs.

Benefits of Myntra Insider Program

• Free Shipping.

• Early Access to Sale Events.

• Exclusive Offers and Events.

• Earn Super Coins.

• Discount Vouchers and more.

Quarterly Milestone Benefit

• Reward: 2 Complimentary PVR Tickets worth ₹250 each for spending ₹50,000+ in a calendar quarter.

• Exclusions: Rent, Wallet, Fuel, and EMI transactions.(For Milestone Count)

• Steps to Redeem PVR Star Pass:

  1. Login to Kotak Mobile App or Net Banking.

  2. Navigate to the Credit Card Overview section.

  3. Select Myntra Kotak Credit Card > Milestone Tab > Previous Period.

  4. Redeem the Star Pass code.

  5. Use the code on the PVR App/Website.

• Details:

  • 1 Star Pass code = 1 movie ticket worth ₹250.

  • Amount exceeding ₹250 must be borne by the customer.

  • Milestone cycle restarts if the network variant changes (Mastercard to RuPay or vice versa).

Lounge Access

• Benefit: 1 Complimentary Lounge Access per quarter.

• Details: Refer to the Kotak Domestic Lounge List - Click Here

Fuel Surcharge Waiver

• Waiver: 1% fuel surcharge waiver for transactions between ₹500-₹3,000.

• Limit: Maximum waiver of ₹3,500 per anniversary year.

• Note: Fuel transactions do not earn cashback.

Contactless Transactions

• Enjoy Tap & Pay for transactions up to ₹5,000 without a PIN.

• Safe, secure, and stress-free payment experience.

Annual Fee Waiver

• Condition: Spend ₹2 lakh in the previous anniversary year to waive the annual fee of ₹500.

Eligibility Criteria

• Primary Cardholder: Age 21-65 years.

• Add-on Cardholder: 21+ years.

• Residency: Indian residents only.

Fees & Charges

Is the Myntra Kotak Credit Card Worth It?

If you frequently shop on Myntra and use services from the preferred partners, the Myntra Kotak Credit Card offers significant value. Its blend of instant discounts, cashback, and lifestyle perks makes it worth considering for fashion-forward shoppers.

However, if you’re looking for a broader cashback card or higher milestone rewards for diverse spending categories, exploring alternative options might be more beneficial.