Myntra Kotak Credit Card
KOTAK · MASTERCARD★ 4.4/ 5
✓ Details last verified 1 Jan 2026
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Key features
What this card is built to do — the highlights that actually matter.
7.50% on Online Shopping
7.5% instant discount + cashback on Myntra
1% on Other
1% base value on other spends
🛍️ SHOPPING BENEFITS
Built for Myntra — here's how your cashback stacks up.
7.5%
Myntra rate
7.5%
Online shopping rate
PARTNER MERCHANTS
- Co-branded with Myntra — built for regular shoppers
- 7.5% back on Myntra purchases
- Accelerated cashback at: Myntra
Kotak Myntra card gives 7.5% instant discount + cashback on Myntra — the highest single-merchant return rate of any credit card in India. Priya spends ₹5,000/month on Myntra: that's ₹4,500/year back, more than 4× the ₹500 annual fee from Myntra spend alone.
Who is this for?
For fashion-forward Myntra loyalists who shop every sale and every drop. At 7.5% back on Myntra, this is the most rewarding card for India's largest fashion e-commerce site — no other card comes close for Myntra-specific spend.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | cashback | 7.50% | ₹1,000 |
| Other | reward points | 1% | — |
Online Shopping: 7.5% instant discount + cashback on Myntra · Myntra
Other: 1% base value on other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Should you get it?
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Online Shopping (7.50% back).
Eligibility & documents
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The concern
It is a one-store card — Myntra's own sale pricing and return patterns determine whether the 7.5% is on money you would have spent anyway.
Bottomline
CardAdvisor Rating: 4.4 / 5The Myntra Kotak card pays the steepest merchant-specific rate in the country, and fashion-first shoppers recover the small fee in their first order or two. As pure category plays go, this is as clean as it gets.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the Myntra Kotak Credit Card are taken from KOTAK's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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