Best Credit Cards for Myntra in India in 2026
If you shop on Myntra several times a year, the card you pay with can matter as much as the coupon you apply. The short answer for 2026: the Flipkart Axis Bank Credit Card is widely cited as the strongest Myntra-focused card, offering a headline cashback of 7.5% on Myntra, while general cashback cards such as the SBI Cashback Credit Card and the HDFC Millennia suit shoppers who spread spending across many sites.
One important update first. The Myntra Kotak Credit Card, which used to be the obvious pick, was discontinued by Kotak Mahindra Bank with effect from 10 July 2025, and existing cardholders were migrated to the Kotak League Platinum card, according to card-comparison sites such as Paisabazaar. If an older article tells you to apply for it, that advice is out of date.
Card terms change often. Everything below reflects what comparison sites reported in mid-2026; always confirm rates, caps and fees on the issuing bank's page before applying.
How to judge a card for Myntra
Before comparing cards, decide what kind of Myntra shopper you are. A few questions do most of the work:
- How much do you spend on Myntra in a year? A card with a joining fee only makes sense if your cashback comfortably exceeds it.
- Is the cashback capped? Many cards limit cashback per month or per billing cycle, so a big End of Reason Sale (EORS) basket may hit the ceiling.
- Is the reward instant or delayed? Some cards credit cashback to the statement in a later cycle, others give an instant discount at checkout.
- Do you shop elsewhere? A card that earns 5% on Myntra but 1% everywhere else is less useful than a flat-rate card if Myntra is only a small part of your spending.
- Do you pay in full every month? Credit card interest is far higher than any cashback you will earn, so never carry a balance to chase rewards.
Cards worth considering in 2026
| Card | Reported Myntra benefit | Best for |
|---|---|---|
| Flipkart Axis Bank Credit Card | 7.5% cashback on Myntra (as reported by comparison sites) | Heavy Myntra and Flipkart shoppers |
| HDFC Millennia | 5% cashback on selected brands including Myntra | People who split spend across Amazon, Myntra, Swiggy, Zomato |
| SBI Cashback Credit Card | 5% cashback on eligible online spends | Shoppers who buy across many online stores |
| Kotak League Platinum | Successor card for former Myntra Kotak holders | Existing Kotak customers only |
Flipkart Axis Bank Credit Card
Because Myntra is part of the Flipkart group, this co-branded card is repeatedly named as the top choice for Myntra purchases, with 7.5% cashback credited to the statement. Comparison sites also list 5% on Flipkart and Cleartrip, a lower rate on select partner merchants and a base rate on everything else. It carries a modest joining fee (reported as around 500 rupees plus taxes), which a few Myntra orders can recover. Read the cashback terms for the monthly cap and for excluded categories, and see our page on the Axis Flipkart credit card for current details.
HDFC Millennia
Millennia is a good middle path. It reportedly gives 5% cashback on a list of ten selected brands, and Myntra is on that list alongside names like Amazon, Flipkart, Swiggy and Zomato. The catch is that the cashback is capped each statement cycle, so it works best for regular monthly spending rather than one very large haul.
SBI Cashback Credit Card
This is a simple online-spend card with reported 5% cashback on eligible online transactions, with no fixed list of merchants to memorise. That makes it convenient if you buy on Myntra, electronics sites and travel portals from the same card. Check the monthly cashback cap and the exclusions (fuel, wallet loads, rent and similar categories are commonly excluded by cards of this type). Details on our SBI Cashback Credit Card page.
Bank offers on top of your card
Beyond the card's own cashback, Myntra runs bank-specific instant discounts during big sales. These are usually short-lived, tied to a minimum order value and often capped at a fixed rupee amount. HDFC Bank maintains a page of card offers on Myntra, and comparison sites such as BankBazaar track them. Treat any percentage you see as a snapshot: it can disappear mid-sale.
A useful habit is to check three things at checkout: the Myntra bank-offer banner, your card's own cashback and any coupon or Myntra Insider benefit. Some offers can be combined, others are mutually exclusive, and the checkout page tells you which applies.
Practical tips to get more value
- Time big purchases with sales. Card cashback stacks best when the sticker price is already discounted, so plan larger buys around Myntra's major sale events.
- Track the cap. If your cashback cap is, say, a few hundred rupees a month, spreading orders across two billing cycles can capture more of it.
- Watch returns. If you return an item, the cashback on it is normally reversed. Fashion has a high return rate, so count only the cashback you keep.
- Do not buy things you do not need. A 7.5% reward on an unnecessary purchase is still a 92.5% loss.
- Mind the fees. Annual fee waivers usually depend on yearly spend milestones. Check the spend needed and whether you will realistically reach it.
- Protect your credit score. Applying for several cards in a short time creates multiple hard enquiries. Pick one card that fits your pattern.
Who should choose which card
- Myntra is your main store: a co-branded card like the Flipkart Axis is designed for you.
- You shop everywhere online: a flat online-spend cashback card such as the SBI Cashback card gives more predictable value.
- You are a mixed spender on food delivery and shopping: HDFC Millennia's brand list can suit that.
- You want no new card: use debit or UPI offers if Myntra runs them, and rely on coupons and sale timing.
Frequently asked questions
Is there still a Myntra co-branded credit card?
The Myntra Kotak Credit Card was reported as discontinued on 10 July 2025, with existing users moved to the Kotak League Platinum card. Check with Kotak for the latest status.
Which card gives the highest cashback on Myntra?
Comparison sites in 2026 name the Flipkart Axis Bank Credit Card at 7.5% on Myntra as the highest among mainstream cards, but caps and terms apply.
Can I use a coupon and card cashback together?
Card cashback is generally separate from coupons, but instant bank discounts and some coupons may not stack. The checkout page shows what is applicable.
Is a credit card worth it only for Myntra?
Only if your annual Myntra spending is large enough that cashback exceeds the annual fee, and you pay the bill in full each month.
Do cashback rewards get taxed?
Cashback on credit card spends is generally treated as a discount on purchase rather than income, but tax treatment can vary; consult a tax professional if unsure.
Conclusion
For most people the best credit card for Myntra in 2026 is either a co-branded option like the Flipkart Axis Bank Credit Card, if Myntra dominates your shopping, or a broad online cashback card if it does not. Verify current rates and caps on the bank's website, compare fees against your realistic spend, and pay your balance in full. For more card-linked savings ideas, browse the other finance pages on this site.