{
  "id": "kotak-myntra-credit-card",
  "locale": "en",
  "name": "Kotak Myntra Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹500 + GST",
  "loungeAccess": "4 Dom / yr (1/qtr on ₹50k qtr spend)",
  "rewardsRate": "7.5% Instant Off on Myntra · 5% Swiggy/Zomato/PVR/Urban Co · 1.25% other",
  "bestFor": "Myntra fashion shoppers, food delivery on Swiggy/Zomato & movie lovers",
  "officialLink": "https://www.kotak.com/en/personal-banking/cards/credit-cards/myntra-credit-card.html",
  "aiVerdict": {
    "score": 4.3,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1.25,
  "affiliateId": "kotak-myntra-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.kotak.com/en/personal-banking/cards/credit-cards/myntra-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — Myntra Credit Card schedule of charges",
    "Myntra & Kotak — 7.5% instant discount and preferred partner terms"
  ],
  "feeWaiver": "Waived on annual retail spends exceeding ₹2,00,000 in previous anniversary year",
  "networks": [
    "Mastercard",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Myntra Discount",
      "value": "7.5% Instant (Max ₹750/txn)"
    },
    {
      "key": "Preferred Partners",
      "value": "5% Swiggy/Zomato/PVR/UC"
    },
    {
      "key": "All Other Spends",
      "value": "1.25% Flat Cashback"
    },
    {
      "key": "Annual Fee",
      "value": "₹500 + GST"
    },
    {
      "key": "Welcome Gift",
      "value": "₹500 Myntra Voucher"
    },
    {
      "key": "Quarterly Movie",
      "value": "2 Free PVR Tickets on ₹50k"
    }
  ],
  "earnRates": [
    {
      "category": "Myntra Fashion App & Web",
      "rate": "7.5% Instant Discount",
      "monthlyCap": "Max ₹750 / transaction",
      "perLakhSpent": "₹7,500 (Instant discount)"
    },
    {
      "category": "Swiggy, Zomato, PVR & Urban Company",
      "rate": "5.0% Cashback",
      "monthlyCap": "₹1,000 / month",
      "perLakhSpent": "₹5,000 (Capped at ₹1,000/mo)"
    },
    {
      "category": "All Other Domestic Retail",
      "rate": "1.25% Cashback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹1,250"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Myntra App Purchases",
      "multiplier": "Instant Off",
      "rate": "7.5%",
      "monthlyCap": "₹750 / txn",
      "dailyCap": "—",
      "note": "Instant cart price deduction."
    },
    {
      "channel": "Swiggy, Zomato, PVR, Urban Company",
      "multiplier": "5×",
      "rate": "5.0%",
      "monthlyCap": "₹1,000 / month",
      "dailyCap": "—",
      "note": "Food delivery, cinema & home salon services."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Instant Myntra Discount",
      "value": "₹1.00 per ₹1.00 instant off",
      "minPoints": "₹0",
      "ceiling": "₹750 / txn",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Credit (Cashback)",
      "value": "₹1.00 per ₹1.00 cashback",
      "minPoints": "₹0 (Auto-credited)",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹500–₹3,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹500 + GST (₹500 Myntra Voucher welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹500 + GST (Waived at ₹2,00,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹25,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹3.6 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}