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Key Features & Benefits
- ✦7.5% Kotak Points back on Myntra purchases
- ✦5% Kotak Points on fashion, apparel & beauty (all online)
- ✦1.25% Kotak Points on all other eligible spends
- ✦Zero annual fee — lifetime free
- ✦Complimentary Myntra Insider membership
- ✦Fashion vouchers as milestone rewards
- ✦1% fuel surcharge waiver
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Welcome & Joining Benefits
- ✦Welcome vouchers on first Myntra purchase
Milestone Benefits
- ✦Check bank's official website for current benefits
Pros & Cons
✓ Advantages
- ✓7.5% on Myntra — best fashion card rate in India
- ✓Free — zero cost to maintain
- ✓5% on online fashion broadly — works beyond Myntra
- ✓Myntra Insider unlocks exclusive sale access
✗ Disadvantages
- ✗No lounge access
- ✗3.5% forex
- ✗Best value only for Myntra/fashion spenders
- ✗Cashback in Kotak Points, not direct cash
Frequently Asked Questions
Can I use this card for Ajio and Nykaa too?
The 5% rate applies to fashion/apparel/beauty category online spends broadly — which may include Ajio, Nykaa, and similar platforms. Verify on Kotak's T&C for exact MCC codes that qualify.
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