Myntra Kotak Credit Card - Get 7.5% Discount & Cashback Offer

Upgrade your wardrobe with exclusive discounts, unlimited cashbacks, early access to exclusive sales and much more. Join the fashion revolution designed for today’s modern shoppers with our exclusive Myntra Kotak Co-branded Credit Card.

Benefit on Myntra

Instant Discount of 7.5% on Myntra Platforms

Preferred Partners

5% cashback on spends on preferred partners

Unlimited Cashback

1.25% Unlimited cashback on spends across other categories

Milestone Benefit

2 Complimentary PVR Tickets every Quarter

Myntra Insider

Access to Myntra Insider Membership

Lounge Access

1 complimentary domestic lounge access per quarter

Instant Discount on Myntra

Get Instant Discount of 7.5% on all spends done across Myntra Platforms (Mobile app/website)
Avail a maximum discount of Rs.750 per transaction

Preferred Partners

Get Cashback of 5% on spends across Preferred Partners category
Avail of a maximum cashback of Rs. 1,000 per statement cycle across your spends on all preferred partner merchants
Transactions/Balance converted into EMI will be excluded from cashback and any cashback accrued on these transactions will be reversed
For details on Preferred partners click here

Base Cashback

Earn unlimited 1.25% cashback on spends across all other online and offline merchants
No cashback will be accrued on spends across Rent, Wallet and Fuel categories
Transactions/Balance converted into EMI will be excluded from cashback and any cashback accrued on these transactions will be reversed
For detailed Terms and Conditions on cashback please click here

Access to Myntra Insider Program

Complimentary membership to Myntra Insider Program
All card holders will be onboarded as Myntra Insider Select members on issuance of card within 45 days of card activation
Activation of the said program will be subject to T&Cs of the program by Myntra. To view the T&C, click here
For details on Myntra insider membership click here

Activation Benefit

Kickstart Your Myntra x Kotak CC Experience with a Myntra Voucher worth Rs.500 on activation of the card
Complete 1 transaction worth Rs. 500 or more within 30 day of card issuance to be eligible for the activation benefit
Myntra voucher will be disbursed to the customer via Email/SMS within 30 days of activation of the card which can be availed to enjoy a discount of Rs. 500 on you Myntra cart.
Activation Benefit of Myntra’s E-Gift voucher worth Rs.500 is only valid for customers paying the Joining Fee

UPI on Credit Card on RuPay Network

Your Myntra Kotak RuPay Credit Card is eligible for UPI on Credit Card transactions
Customers are entitled to a 1.25% cashback on UPI on Credit Card on all transactions except on exclusion categories****

Quarterly Milestone Benefit

Enjoy 2 complimentary PVR tickets worth Rs.250 each on spending over Rs.50,000/- every calendar quarter
Spends across Rent, Wallet, Fuel & EMI transactions categories will not be considered for quarterly benefits
For more details on milestone benefits click here

Annual Fee Waiver

Annual fee of Rs. 500 waived on spending Rs. 2 lakh in the previous anniversary year.

Fuel Surcharge Waiver

The 1% fuel surcharge waiver is applicable on transactions that range between Rs.500 and Rs.3,000
Avail of a maximum fuel surcharge waiver of Rs.3,500 in each anniversary year
Fuel transactions are not eligible to earn any cashback on the card

* Instant discount on Myntra’s app and/or website is capped at Rs. 750 per transaction

** Cashback on preferred partners is subject to a maximum of Rs. 1000 per billing cycle and will be credited back to the card statement.

*** Other spends do not include Fuel, Rent and Wallet Recharges

**** UPI on Credit Card excluded categories are Rent, Wallet, Fuel, EMI transactions, Education, UPI transactions below or equal to Rs.2000/-

Value Chart

Benefit	Annual Spends	Value (Annual)
7.5% Instant Discount on Myntra, capped at Rs.750 per transaction	48,000	3,600
5% Cashback on Preferred Partners, capped at Rs.1000 per month	72,000	3,600
1.25% Unlimited Cashback	2,40,000	3,000
2 PVR Tickets on spends > Rs.50,000 per quarter		2,000
Welcome Benefit		500
1% Fuel Surcharge Waiver	15,000	150
Fee Waiver		500
Myntra Insider Program (TBD)		7,000
Domestic Airport Lounge Access		4,800
	3,75,000	25,150

Myntra Credit Card Key Features & Benefits

Enjoy the following features and benefits with your Myntra Credit Card -

Instant Discount on Myntra - Get an instant 7.5% discount on all spends done on the Myntra app and website, subject to a maximum discount of ₹ 750 per transaction.
Unlimited 1.25% Cashback – Earn 1.25% cashback on all your spends everywhere and every time when you spend on platforms other than Myntra. The Myntra cashback offer does not apply to spending on rent, EMIs, fuel, and recharges.
5% Cashback on Preferred Partners - Get a 5% cashback on spending across preferred partners like Swiggy, PVR, Cleartrip, and Urban Company. The maximum cashback is subject to ₹1,000 per month across your spending on all preferred partner merchants. For details on preferred partners click here.
Free Access to Myntra Insider Program - Get complimentary membership to Myntra Insider Program in addition to the Myntra payment offers. The activation of the said program is subject to the terms & conditions of the program by Myntra. You can check the details of the Myntra Insider Program membership here.
Free Rs.500 Worth e-Voucher - Kickstart your 'Myntra x Kotak Credit Card' experience with a welcome Myntra Voucher worth ₹ 500 on the activation of the card.
Get 4 Annual Free Airport Lounge Access - Experience luxury with 1 complimentary domestic lounge access per calendar quarter. With lounge access, you can enjoy benefits such as a gourmet meal, comfortable seating, widescreen TVs, newspaper, magazines, and free Wi-Fi. For more details, click here.
2 Free PVR Movie Tickets - Besides the best offers for online shopping, get 2 Free PVR movie tickets worth ₹ 250 each on spending ₹ 50,000 every quarter.
Annual Fee Waiver - Get away with the Myntra Kotak Credit Card renewal fee of ₹ 500 on annual spending of over ₹ 2 Lakh.
Fuel Surcharge Waiver - Enjoy a 1% fuel surcharge waiver of Rs.3,500 in each anniversary year
60-Minutes Card Issuance - Enjoy all the above-mentioned benefits instantly as the card is issued to you in just 60 minutes of your submitted application.

Steps to Avail the Myntra Online Shopping Offers

You can follow the below-mentioned steps to start enjoying the Myntra card offers -

Step 1: Visit https://www.kotak.com.

Step 2: Go to the 'Cards & Fastag' section and choose 'Myntra Kotak Credit Card' from the list of Credit Cards.

Step 3: Click on the 'Apply Now' and then click on the 'Get Your Card Now' button.

Step 4: Provide your mobile number and complete the KYC process.

After performing these steps, you will receive your card in just 60 minutes. Activate your card and then you can start availing of all the Myntra online shopping offers.

Myntra Kotak Credit Card Frequently Asked Questions

1. What are the benefits a cardholder can avail on Myntra Kotak Bank Credit Card?

Instant Discount on Myntra

Cardholders get an instant discount of 7.5% on all spends done on Myntra’s app and/or website. Instant discount on Myntra’s app and/or website is capped at Rs. 750 per transaction

Note: Instant Discount is not valid on UPI on Credit Card transactions
Cashback on our Preferred Partners

Cardholders get cashback of 5% on all spends done on our curated list of Preferred Partners:

i. Swiggy

ii. Swiggy Instamart

iii. Cleartrip

iv. PVR (online transactions)

v. Urban Company

Cashback on our Preferred Partners are subject to a maximum of Rs. 1000 per billing cycle and will be credited back to the statement within 30 days of completion of transaction.

The merchants listed under the Preferred Partners are subject to revisions by the bank without any prior notice to the customers.
Cashback on All Other Spends

Cardholders get unlimited cashback of 1.25% on all other spends done on the Myntra x Kotak Co-Branded Credit Card. Other spends do not include Fuel, Rent and Wallet Recharges. Rent Payment, Fuel Spends, EMI transactions, Post Purchase EMI, Wallet loading transactions, Cash advances do not qualify as spends where customers can earn cashback

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

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

3. What are “Preferred Partners”?

“Preferred Partners” are set of merchants on which all spends completed will be eligible for accelerated cashback of 5% subject to a maximum of Rs.1000 per billing cycle. They are as follows:

Swiggy
Swiggy Instamart
Cleartrip
PVR
Urban Company

4. What are the Activation Benefits associated with Myntra x Kotak Bank Credit Card?

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

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

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

6. Are there any milestones benefits that cardholders get with Myntra x Kotak Bank Co-branded Credit Card?

Yes. Cardholders is entitled to receive 2 PVR tickets worth ₹250 each on achieving spends of Rs.50,000 per calendar quarter. Spends done on excluded categoriesxxxx will not be considered for calculation of milestone benefit.

7. Are customers eligible to get cashback on UPI on Credit Card transactions?

Yes, customers are entitled to a 1.25% cashback on UPI on Credit Card transactions except on the following spends:

Rent
Wallet
Fuel
EMI transactions
Educations
UPI transactions below or equal to Rs.2000/-

8. How will the cardholder receive the instant discounts and cashback earned on transactions?

For spends done on Myntra’s app and/or website, customers will get an instant discount that will get applied at the time of check-out
For spends done on Preferred Partners and All Other Spends, customers will get cashback in the form of statement credit within 30 days from the date of settlement

9. Are any transactions excluded from cashback?

Rent Payment, Fuel Spends, EMI transactions, Post Purchase EMI, Wallet loading transactions, Cash advances do not qualify as spends where customers can earn cashback

10. How can I apply my card?

Users can apply for the credit card from both Kotak and Myntra’s platforms. Click here to start your journey (hyperlink will be added)

11. What is Myntra Insider Program?

Myntra Insider is Myntra’s loyalty program which is open to registered users on Myntra. Customer will be onboarded within 30 days from card activation. A user has to opt-in to join the program. More details can be found here

12. Is there any fuel surcharge waiver?

Customers will receive 1% fuel surcharge waiver on minimum transaction Rs. 500 and on a maximum of Rs.3500

13. Who can apply for this card?

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

14. What are the fees & charges applicable on Myntra x Kotak Bank Co-Branded Credit Card?

You can navigate to the cards fees & charges tab to view the fees and charges applicable. You will also find the same along with Terms & Conditions governing the card on our MITC page https://www.kotak.com/en/personal-banking/cards/credit-cards/mitc-and-ca.html.

Avail 5% cashback* on all spends done across preferred partner categories. Avail benefits throughout the year on your daily spend categories like food, grocery, entertainments, travel and services with our host of preferred partner merchants.

Preferred Partner Cashback:

5% cashback on all spends done across the Preferred Partner Merchants
Maximum cashback is capped at Rs. 1,000 per statement cycle across spends done on all partners
For details on cashback across Preferred Partners please click here

* Cashback on preferred partners is subject to a maximum of Rs. 1000 per billing cycle and will be credited back to the card statement.

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

All card holders will be onboarded as Myntra Insider Select members on issuance of card within 45 days of card activation
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

Top Benefits:

In addition to the cashback earned on all transactions, you will also be eligible for bonus offers on achieving spends criteria of Rs. 50,000 every quarter* as per eligibility:

Enjoy 2 complimentary PVR tickets worth Rs.250 each on spending over Rs.50,000/- every quarter*
Spends done on Rent, Wallet and Fuel categories will not be considered within the Rs. 50,000 bucket for evaluation of quarterly benefit
Scenario 1:
- Total Quarterly Spends in April May June quarter: Rs. 75,000
- Spends on Rent category: Rs, 5,000
- Spends on Wallet category: Rs. 5,000
- Spends on Fuel category: Rs. 5,000
- Total Exclusion Spends: Rs. 15,000
- Eligible Spends: Rs. 60,000
Customer is eligible for Quarterly Milestone Benefit since Eligible spends > Rs. 50,000
Scenario 2:
- Total Quarterly Spends in April May June quarter: Rs. 75,000
- Spends on Rent category: Rs, 15,000
- Spends on Wallet category: Rs. 1,000
- Spends on Fuel category: Rs. 15,000
- Total Exclusion Spends: Rs. 31,000
- Eligible Spends: Rs. 44,000
Customer is not eligible for Quarterly Milestone Benefit since Eligible spends < Rs. 50,000

Claim your PVR Coupon

Your PVR Tickets Are Waiting! Redeem them now to enjoy the latest movies on the big screen!

To redeem your movie ticket vouchers (known as Star Pass), please follow these steps on the Kotak Mobile App-

Login to MB App / Kotak Net Banking section
Go to Credit Card Overview Section
Select Myntra Kotak Credit Card
Select Milestone Tab, Go to Previous Period
Get Start Pass eligible for the month
Use them at PVR App

Steps to redeem Star Pass code

Log on to the PVR App or Website.
Choose your preferred cinema, movie, show, and seats.
Scroll down to select "PVR Exclusives" (on the App) or "Avail Offers" (on the Website).
Select the Starpass option
Enter your Coupon Code(s) and click on "Make Payment".
1 Starpass code can be redeemed only against 1 movie ticket only
The value of the Starpass code is capped at Rs. 250. If the price of the ticket is more than Rs. 250, the difference in amount will have to be borne by the customer
Pay the balance booking/convenience fees and book your ticket

Star Pass is valid only for PVR theatres and not INOX theatres

Please note that customers can claim the Star Pass for a period of 2 months only post the eligible billing cycle (included).

*Quarter pertains to the quarter starting from the card issuance date

**Amount is calculated basis the posting date and not settlement date i.e. if your Milestone cycle ends on 31st December and your spends are Rs.49,000/- and you have spent Rs.1,500/- on 31st December, then the Rs.1,500 will not be counted in the Milestone Rewards calculations if the amount is settled on 1st January

***If network variant is changed from Mastercard to RuPay or vice versa, the milestone cycle restarts

Introducing a fast way to pay. Enjoy the freedom of Contactless Payments, which offer a fast, safe and secure way to pay. Just tap your Myntra x Kotak Bank Credit Card and pay for transactions up to INR 5000 without a PIN.

Contactless keeps you stress-free. Switch to safe and secure transactions

No need to enter your PIN - just tap your credit card on the reader
The credit card never leaves your hand, reducing the risk of credit card loss or counterfeit
Payments supported by multiple layers of security, which ensures that you are safe from fraudulent or unauthorized transactions

Primary Credit Card holders should be in the age bracket of 21 years to 65 years. Add-on Card holder should be 21 years and above
Should be a resident of India

Fees and Charges

Important Notification regarding Myntra Kotak Credit Card offer on “Up to 3 Year Free” – Click here to know regarding the offer

Fee & other Parameters	Myntra Kotak Credit Card
Joining Fee	₹ 500/-
Annual Fees	₹ 500/-
Condition for waiver of Annual Fees - First Year	₹ 2,00,000 spends in the previous year
Interest Charges on outstanding Balances	3.7% (Annualized @ 44.40%)
Add On Card Fees	₹ 299
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	10% of total outstanding amount
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per ₹ 10,000 or part thereof	2.5% on advance amount or ₹ 500 whichever is higher
Late Payment Charges (LPC)	Due as per last statement (INR)	LPC charges (INR)
	<₹100	0
	₹100 - ₹500	100
	₹501 - ₹5,000	500
	₹5,001 - ₹10,000	600
	₹10,001 - ₹25,000	800
	₹25,001 - ₹50,000	1000
	>₹50,000	1200
Over Limit Charge	Max of ₹ 500 + GST
Cheque Bounce Charges	2% on Total amount due or ₹ 500 whichever is higher + GST
Foreign Currency Mark Up	3.5% + GST
Fee for Cash payment at Bank	₹ 100
Reissue/ Replacement Card (per issuance)	₹ 200 + GST
Railway Booking Surcharge Waiver (1.8%/2.5% on transaction amount)	NA
Please Note: GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card.

Flaunt your style. Flaunt your rewards Presenting Myntra Kotak Credit Card

Benefit on Myntra

Preferred Partners

Unlimited Cashback

Milestone Benefit

Myntra Insider

Lounge Access

Value Chart

Myntra Credit Card Key Features & Benefits

Steps to Avail the Myntra Online Shopping Offers

Myntra Kotak Credit Card Frequently Asked Questions

Fees and Charges

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