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Myntra Kotak Credit Card
Kotak • MasterCard

Myntra Kotak Credit Card

Popular co-branded shopping card with Myntra-led value and broad Kotak acceptance.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹500Waived on eligible spends as per issuer policy
Base Reward0.8%On all spends
Lounge Access2222 domestic • 0 intl
Est. Annual Savings₹5,557Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹2,700

Assumes base reward rate only.

Annual fee₹500

Waived on eligible spends as per issuer policy

Net value₹2,200

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
4.0%
Online
2.0%
Basedefault
0.8%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • Popular co-branded shopping card with Myntra-led value and broad Kotak acceptance.
  • Highest reward leverage comes from shopping 4.0% and online 2.0% bands.
  • Annual fee efficiency depends on crossing waiver threshold (Waived on eligible spends as per issuer policy). Card behavior is relatively straightforward without heavy cap or milestone complexity.

Best Utilization

  • Use this card first for fashion and e-commerce heavy users-aligned spends before routing to general-spend cards.
  • Prioritize transactions in accelerated bands (shopping 4.0%, online 2.0%) and shift overflow after cap pressure appears.
  • Track annual spend against fee-waiver threshold and reassess renewal if utilization remains low.

Watchouts

  • Co-brand value is concentrated in partner ecosystem
  • Lounge and travel benefits are not the primary proposition
  • Term changes and partner-list updates can shift effective value; review issuer terms periodically.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹500
  • Annual fee₹500
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkMasterCard
  • Domestic count22
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows22
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports22
  • Approval reports13

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Myntra Kotak Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Waived on eligible spends as per issuer policy

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

22 airport lounge rows
View lounge map and location list22 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Terminal 1

Amritsar

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

AMR • Amritsar Airport • Terminal 1

Bengaluru

1 lounges • 1 domestic • 0 international

1
BLRDomestic

BEN • Bengaluru Airport • Terminal 1

Chandigarh

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

CHA • Chandigarh Airport • Main Terminal

Chennai

3 lounges • 3 domestic • 0 international

3
Travel Club LoungeDomestic

CHE • Chennai Airport • Terminal 4

Travel Club Lounge ADomestic

CHE • Chennai Airport • Terminal 1

Travel Club Lounge BDomestic

CHE • Chennai Airport • Terminal 1

Dabolim

1 lounges • 1 domestic • 0 international

1
Brew House DabolimDomestic

DAB • Dabolim Airport • Terminal 1

Dehradun

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

DEH • Dehradun Airport • Terminal 1

Goa

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

GOA • Goa Airport • Terminal 1

Hyderabad

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Terminal 1

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Terminal 2

Kochi

1 lounges • 1 domestic • 0 international

1
Earth LoungeDomestic

KOC • Kochi Airport • Terminal 1

Kolkata

1 lounges • 1 domestic • 0 international

1
Travel Club LoungeDomestic

KOL • Kolkata Airport • Terminal 1

Mumbai

2 lounges • 2 domestic • 0 international

2
Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 2

Travel Club LoungeDomestic

MUM • Mumbai Airport • Terminal 1c

New Delhi

3 lounges • 3 domestic • 0 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 1

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 2

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 3

Pune

2 lounges • 2 domestic • 0 international

2
Elysian Lounge FFDomestic

PUN • Pune Airport • New Terminal

Elysian Lounge GFDomestic

PUN • Pune Airport • New Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • High value on Myntra ecosystem transactions
  • Low annual fee profile
  • Simple card for online shopping users

Things to Consider

  • Co-brand value is concentrated in partner ecosystem
  • Lounge and travel benefits are not the primary proposition
  • Cashback caps and exclusions can apply

About Myntra Kotak Credit Card

Myntra Kotak Credit Card is a cashback card from Kotak, best for fashion and e-commerce heavy users. It is tagged under shopping, online, rewards, lifestyle categories in our database.

ShoppingOnlineRewardsLifestyle

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Frequently asked questions

Is Myntra Kotak Credit Card lifetime free?

It has an annual fee of ₹500. Waived on eligible spends as per issuer policy

What rewards does Myntra Kotak Credit Card offer?

Popular co-branded shopping card with Myntra-led value and broad Kotak acceptance.

Does Myntra Kotak Credit Card include lounge access?

Myntra Kotak Credit Card lists 22 lounge visits (22 domestic, 0 international).

Who should consider Myntra Kotak Credit Card?

Fashion and e-commerce heavy users

Where can I apply for Myntra Kotak Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.