Myntra Kotak Credit Card Review 2023 (Unlimited Cashback)

Myntra Kotak Credit Card is a co-branded credit card launched by Myntra in partnership with Kotak Mahindra Bank. This credit card offers unlimited 1.25% cashback on other spends, 7.5% instant discount on Myntra, and 5% cashback on preferred partners like Swiggy, Swiggy Instamart, Urban company, Cleartrip, and PVR.

You can save huge on your Myntra spending using this credit card, in this blog post I will review Myntra Kotak credit card, and I will try my best to share Myntra Kotak credit card features, charges, benefits, and more, so to know more you have to read this blog post completely.


Myntra Kotak Credit Card
Annual fee₹500
Card networkVISA, Rupay
Suitable forFashion & Lifestyle
Reward typeCashback
Cashback rateUp to 7.5%
Cashback limitUnlimited
Welcome benefitKickstart Your Myntra Kotak Credit Card Experience with a Myntra Voucher worth Rs.500 on activation of the card
MilestoneEnjoy 2 complimentary PVR tickets worth Rs.250 each on spending over Rs.50,000/- every calendar quarter
Partner bankKotak Mahindra Bank

Fees & Charges

Joining fee₹500, Free for now
Renewal fee₹500
Addon card₹ 299
Replacement fee₹ 299
Forex charge3.5%
Interest3.7% (Annualized @ 44.4%)
Reward redemption feeNA
Annual fee waiverAnnual fee of Rs. 500 waived on spending Rs. 2 lakh in the previous anniversary year.
Fuel Surcharge WaiverThe 1% fuel surcharge waiver is applicable on transactions that range between Rs.500 and Rs.3,000 and you can avail of a maximum fuel surcharge waiver of Rs.3,500 in each anniversary year

Also Read: Flipkart Axis bank credit card review

Cashback & Rewards

  • Earn unlimited 1.25% cashback on spending across all other online and offline merchants.
  • Transactions/Balance converted into EMI will be excluded from cashback and any cashback accrued on these transactions will be reversed post-conversion to EMI
  • UPI on Credit Card transactions will not accrue cashback for transactions less than Rs.2,000
Myntra7.5% discount up to 750 per orderNA
Preferred Merchants5% cashback₹1000 per cycle
Other Spends1.25%unlimited
Exclusion categoriesNilNA

Exclusion categories are:

  • Fuel Spends (5983, 5541, 5542, 5172, 5552)
  • Rent Payment (6513)
  • EMI transactions
  • Post Purchase EMI
  • Wallet loading transactions (6540)
  • Cash advances

Reward redemption

Cashback shall mean a “statement credit” i.e. customer shall receive the rewards as cashback in
the statement as a credit entry.

Myntra Insider Program

Become an Insider with the Myntra x Kotak Credit Card. Enjoy exclusive benefits and offers as a part of the Myntra insider community.

  • All customers will be on-boarded on to the Myntra Insider Program within 7 days of issuance of the card
  • Customers will be onboarded as Select Members of the Myntra Insider Program
  • Customers will need to spend a minimum of Rs. 7000 and place 5 orders each year on the Myntra platform, to maintain the insider tier
  • Myntra Insider Program comes with a host of benefits like free shipping, early access to sale events, exclusive offers & savings, earning Supercoins, and more 

Milestone Benefits

  • Enjoy 2 complimentary PVR tickets worth Rs.250 each on spending over Rs.50,000/- every calendar quarter
  • Spends done on Rent, Wallet, and Fuel categories will not be considered within the Rs. 50,000 bucket for evaluation of quarterly benefit

Lounge Access

Get 1 complimentary domestic lounge access per calendar quarter. To check the eligible lounge list click here.

Fraud Liability Cover

Get complimentary Fraud Liability cover of 1 Lakh

How To Apply

Visit the Kotak Mahindra bank website and apply for Myntra Kotak credit card, Fill your basic details and proceed, bank agent will contact you to complete and proceed further.


  • Primary Credit Card holders should be in the age bracket of 18 years to 65 years.
  • The add-on Cardholder should be 18 years and above
  • Should be a resident of India


Are there any Joining and/or Annual Fees associated with the Myntra x Kotak Bank Credit Card?

Cardholders will be charged only Rs. 500 as a Joining fee. The annual fee is also Rs. 500 per annum. The annual Fee will be waived on spending Rs. 2,00,000 in the previous anniversary year.

What are the Activation Benefits of Myntra Kotak Bank Credit Card?

Cardholders will receive a Myntra e-Gift Voucher worth Rs.500 on completing a transaction of Rs.500 aor above within 30 days of card issuance.

How will the customer receive the Myntra e-Gift Voucher?

Post activation i.e. on completion of one transaction over Rs. 500, customers will receive the Myntra e-Gift Voucher on their registered email IDs and mobile number within 30 days of the transaction date.


I have tried my best to review Kotak Myntra credit card and share the features, charges, cashback and pros & cons of this credit card. Using this Myntra Kotak credit card you can save huge money on your spending at Myntra, PVR, Cleartrip, Urban Company, and Swiggy.

I would recommend you get a Myntra Kotak credit card if you spend regularly at Myntra, PVR, Swiggy, etc. The best feature of this credit card is that you will earn 1.25% unlimited cashback on your other online & offline spends.

Are you using a Myntra Kotak credit card? Share your experience in the comment section.

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