Summary
Kotak Myntra Credit Card is great for those online shoppers, particularly those who regularly shop on Myntra. It provides unlimited cashback at 5% on all purchases made on Myntra. It’s an ideal credit card for all the fashion enthusiasts. New users receive a ₹500 Myntra welcome voucher upon activation.
The card, apart from Myntra, offers cashback at 1.25% on every online spend and 0.5% cashback on every offline transaction to save on all purchases. Further benefits include additional discounts on brands of Myntra, the waiver of the fuel surcharge of up to ₹3,500 per year, and easy EMI options on Myntra shopping.
If applied through the Myntra website, this card does not charge any kind of joining fees and is indeed a cost-efficient option. Ideal for those in love with their online shopping sessions and want effortless savings.
Introduction
Kotak Myntra Credit Card is a unique and great option for those who are interested in fashion shopping. Especially, if you shop from a famous online fashion platform like Myntra, then Myntra Credit Card offers you many benefits. Through Myntra Credit Card, you can not only get great cashback on every shopping but also take advantage of special offers, discounts, and reward points on Myntra.
The Myntra Credit Card helps you to have great benefits and rewards while you shop at Myntra as well as enjoy other benefits also. You may earn points, for instance on food delivery or travel booking along with online shopping. One very special thing regarding Myntra Credit Card is that Myntra provides exclusive benefits that make their shopping of fashion at a reduced economic cost.
Myntra Credit Card has a pretty simple application procedure. You can easily apply it online and it would get sanctioned pretty quickly. It is meant for those customers of Myntra who show great interest in fashion.
In today’s article, we will discuss in detail about Myntra Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of Kotak Myntra Credit Card in this article and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not face any problems later.
What is the Kotak Myntra Credit Card?
The credit card is a special credit card launched by Kotak Mahindra Bank and Myntra for fashion shopping. Kotak Myntra credit card is very beneficial for those who frequently buy clothes, shoes, and other fashion items from Myntra.
Shopping on Myntra through Myntra credit card gives special discounts, cashback, and reward points. Apart from this, it can also be used on other expenses and rewards can be earned in different categories. Overall, the Kotak Myntra credit card is a great option for fashion lovers.
How is the Kotak Myntra Credit Card designed?
The Kotak Credit Card is specially designed for fashion-loving online shoppers. It gives great discounts, cashback, and exclusive deals on Myntra purchases. The card features a stylish look and provides rewards such as 5% unlimited cashback on Myntra, rewards on other spends, and welcome vouchers worth ₹500.
This also provides additional benefits such as partner brand discounts and a hassle-free EMI option. It is best suited for those who regularly shop online and want to save more while availing of a premium shopping experience.
What are the benefits of the Kotak Myntra Credit Card?
Here are the real benefits and offers you receive:
- Myntra Cashback & Rewards
- 5% unlimited cash back on Myntra spending without any cap.
- Rs.500 welcome vouchers on Myntra postcard activation.
- Rewards on Other Spends
- 1.25% cash back on all other online spends except Myntra.
- 0.5% cash back on offline spend
- Bonus Benefits
- Extra discounts on the best Myntra brands.
- Easy EMI option available on Myntra spends.
- Fuel surcharge waiver of up to Rs.3,500 every year.
- No joining fee in case of application through Myntra.
What are the fees for the Kotak Myntra Credit Card?
Here is a simple Credit Card fee breakup.
| Joining Fee | ₹499 + GST (one-time fee when you get the card). |
| Annual Fee | ₹499 = GST per year. This will be waived if you spend 2,00,000 or more in a year. |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Kotak Myntra Credit Card?
The following are the primary requirements:
- You must be between 18 and 70 years old to apply for the Myntra Credit Card.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 5 lakhs usually does the job.
- A secured income ensures regular, timely payments on the credit card bill. Any amount above it increases the probability of approval.
- Your credit score plays a role in the selection process. It is a tendency for Kotak Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get a Kotak Myntra Credit Card?
The documents that you will have to submit to Get a Myntra Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last month for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Kotak Myntra Credit Card be used?
Here is the list of places where you can use it:
- With the Myntra Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Myntra Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Myntra Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Kotak Myntra Credit Card?
The credit amount you can spend is what you are provided with a Myntra Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for a Kotak Myntra Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the Kotak Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Kotak Bank; for instance, you can choose the Myntra Credit Card.
- Just hover your cursor on the Myntra Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest Kotak Bank branch to apply for the Myntra Credit Card.
- Request for the credit card application form for the Kotak Myntra Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Myntra Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Kotak Bank Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a Kotak Myntra Credit Card in 2025 be right?
Yes, getting a Kotak Myntra Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Kotak Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
In conclusion, the Myntra Credit Card is a great option for those who shop regularly on Myntra and want to get the most out of their spending. The Kotak Myntra Credit Card offers you several great benefits such as great discounts on Myntra, cashback, free movie tickets, and airport lounge access.
However, as with any credit card, you must consider your needs and spending habits before applying. Understand the card’s fees and rules thoroughly so that you can make the best use of it.
If you are one of the smarter shoppers and buy regularly on Myntra, the Kotak Myntra Credit Card becomes a good travel buddy for you. The Kotak Myntra Credit Card will not just save you a lot of your hard-earned money but will also make every purchase a highly enjoyable and rewarding experience. Then why wait any further? Just apply for this Kotak Myntra Credit Card today.
Frequently Asked Questions (FAQ’s)
Ans: Yes, Credit Card has a minimum income limit to apply for, as set by the bank. This may differ according to the location and profile.
Ans: You can shop on Myntra using reward points or even redeem them as cashback, which will be adjusted against your credit card bill.
Ans: If you do not pay the full credit card bill in time, then some extra interest rate may arrive. They depend on the bank’s policies and, thus, one should pay on time.
Ans: If your Myntra credit card is lost or stolen, immediately contact Kotak Mahindra Bank customer care and block the card to avoid any kind of fraud.
Ans: Apart from Myntra, reward points are also available on other expenses on Kotak Myntra’s credit card. Also, special offers are given on travel, food delivery, and entertainment.
