About Myntra Kotak Credit Card
The Myntra Kotak Credit Card is a co-branded card designed for Myntra shoppers. It offers instant discounts on Myntra and accelerated cashback on popular platforms like Swiggy, Swiggy Instamart, PVR, Cleartrip, and Urban Company.
This card stands out for two main reasons:
- It provides a direct discount at checkout instead of cashback or reward points, making savings straightforward.
- The 7.5% discount on Myntra is higher than the usual 5% offered by most cashback or co-branded cards.
Although cashback is capped at Rs. 75 per transaction, cardholders can maximize benefits by splitting purchases across multiple transactions.
Other Features and Benefits
Welcome Benefits
- Myntra Voucher: Get a ₹500 voucher on spending ₹500 or more within 30 days of card issuance.
- Myntra Insider Membership: Complimentary membership with early access to sales, free shipping, and exclusive rewards.
Discounts & Cashback
- Myntra Shopping: Flat 7.5% discount on all Myntra purchases.
- Maximum discount: ₹750 per transaction
- No minimum transaction amount
- Unlimited transactions allowed
- Partner Merchants: Earn 5% cashback on Swiggy, Swiggy Instamart, PVR, Cleartrip, and Urban Company.
- Other Categories: 1.25% unlimited cashback on all other spends, including UPI transactions.
Additional Perks
- Movies: 2 complimentary PVR tickets every quarter.
- Airport Lounge: 1 complimentary domestic lounge access per quarter.
- Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹300–₹3,000.
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 500 + Taxes |
| Annual/ Renewal Fee | Rs. 500 + Taxes (Waived off on spending Rs. 2 lakh in a year) |
| Finance Charges | 3.70% p.m. | 44.40% p.a. |
| Late Payment Charges | | For Statement Balance: | Amount | | Up to Rs. 100 | Nil | | Between Rs. 100.01 to Rs. 500 | Rs. 100 | | Between Rs. 500.01 to Rs. 5,000 | Rs. 500 | | Between Rs. 5,000.01 to Rs. Rs. 10,000 | Rs. 600 | | Between Rs. 10,000.01 to Rs. 25,000 | Rs. 800 | | Between Rs. 25,000.01 to Rs. 50,000 | Rs. 1,000 | | Above Rs. 50,000 | Rs. 1,200 |
|
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Document Required For Myntra Kotak Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Myntra Kotak Credit Card Highlights
What do we like about this card?
- Instant 7.5% discount on all Myntra purchases (up to ₹750 per transaction)
- Welcome Myntra voucher worth ₹500 on spending ₹500+ within 30 days
- Complimentary Myntra Insider membership with early access to sales and free shipping
- 5% cashback on partner merchants like Swiggy, PVR, Cleartrip, and Urban Company
- 1.25% unlimited cashback on all other spends, including UPI transactions
- 2 complimentary PVR tickets every quarter
- 1 domestic airport lounge access per quarter
- 1% fuel surcharge waiver on transactions between ₹300–₹3,000
Things to Know Before you apply
Get this card if:
- You shop regularly on Myntra and want to enjoy direct discounts.
- You frequently use partner merchants like Swiggy, PVR, Cleartrip, and more.
- You can spend around ₹50,000 per quarter to earn free PVR tickets.
- You want a RuPay credit card to earn cashback on UPI transactions.
Pros
- Direct discount at checkout instead of cashback or reward points
- Benefits extend beyond Myntra to partner brands like Swiggy, PVR, Cleartrip, and more
- Unlimited base cashback on other spends
- UPI-linked card allows cashback on UPI transactions
Cons
- Lifestyle benefits outside partner brands are limited
- Capping applies on discounts and some cashback earnings
- PVR movie tickets require a minimum spend to avail
- Some transactions are excluded from cashback
Kotak Mahindra Bank Credit Card Contact Details
- Contact Address: Kotak Mahindra Bank Ltd. 27 BKC, C-27, G Block, Bandra Kurla Complex, Bandra East, Mumbai – 400051, India
Helpline: 1860 266 2666 (available from all major cities in India)
Simply SMS: Send KCC last 4 digits of your credit card to 5676788 to get card-related info.
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Frequently Asked Questions
With the Myntra Kotak Credit Card, you get a complimentary Myntra Insider membership. This loyalty program is available to registered Myntra users and offers early access to sales, free shipping, exclusive offers, and more.
You’ll receive a ₹500 e-voucher after making your first transaction of ₹500 or more within 30 days of card issuance. The voucher will be sent to your registered email and mobile number within 30 days of the transaction.
No. Cashback is not applicable on:
Rent payments
Fuel spends
EMI transactions (including post-purchase EMI)
Wallet top-ups
Cash advances
The 7.5% discount is applied automatically at checkout on Myntra when you pay with your Myntra Kotak Credit Card. No coupons are required, and the discount is capped at ₹750 per transaction.
Yes, enjoy a 1% waiver on fuel transactions between ₹300–₹3,000 at all petrol pumps. The maximum waiver per anniversary year is ₹3,500.
Yes, the card can be used internationally or on overseas websites. A 3.5% forex markup fee applies on foreign transactions. For frequent international usage, consider a card with lower forex charges.
Earn 5% cashback on Swiggy, Swiggy Instamart, PVR, Cleartrip, and Urban Company. For all other categories including UPI payments, you get 1.25% unlimited cashback.
