Kotak Fashion/ Apparel Offers Credit Cards in India 2026

7.50% special discount on Myntra : You get 7.50% discount on Myntra purchases, on all Myntra transactions upto ₹10,000. Since the maximum discount available per transaction is ₹750.

5% cashback on select partners 
– You earn ₹5, on every ₹100 you spend on Swiggy Instamart (grocery) || Swiggy (food delivery) || PVR (movies) || Cleartrip (travel) || Urban Company (beauty salon services, cleaning, home repairs)
– This is valid only on combined total purchases upto ₹20,000, since the maximum cashback is capped at ₹1000 per monthly card statement cycle. If your spends are more than ₹20000 in a month , your effective cashback will drop below 5%.

1.25% cashback on all other card spends :
– You earn ₹1.25, on every ₹100 you spend on all other card purchases.
– Exceptions : You get no cashback on fuel spends, rent payments, wallet recharges, EMI transactions and cash advances.

Additional benefits (quarterly milestone benefits), upto 1%
– You get 2 complimentary PVR tickets valued at ₹250 each, on quarterly card spend of over ₹50,000
– Card spends on rent, wallet, and fuel are not considered valid spends for the above calculation

Complimentary airport lounge access in India – 1 per quarter

Fuel surcharge waiver, upto ₹3500 every year
– You get 1% fuel surcharge waiver only on fuel transactions between ₹500 and ₹3000, and
– Only on yearly fuel purchases of upto ₹3.50 lakhs (since the maximum waiver amount is limited to ₹3500 per year).

Benefits
– 7.50% discount on Myntra.
– 5% cashback on 5 select partners, covering a wide range of services.
– Complimentary domestic airport lounge access

Drawbacks to consider
– Cardholders are restricted to specific partners to avail discounts and cashback

1.66% benefit on various shopping categories – Department stores || Jewellery || Apparels || Lifestyle goods
– You earn 6.66 Zen points worth ₹1.66 (one rupee and 66 paise), on every ₹100 you spend in these shopping categories.
– 1 Zen point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.

0.83% benefit on all other card spends
– You earn 3.33 Zen points worth ₹0.83 (83 paise), on every ₹100 you spend on all other card purchases.
– 1 Zen point = ₹0.25 or 25 paise, and can be redeemed on Kotak Rewards for a variety of shopping e-vouchers, travel, movies and more.
– Exceptions : You get no cashback on fuel, EMI transactions and cash withdrawals.

Additional milestone benefits upto 0.6% : You get either –
– 7500 Zen points worth ₹1875 , when you spend ₹3 lakhs or more on your card each year.
OR
– 15000 Zen points worth ₹3750 , when you spend ₹6 lakhs or more on your card each year.
You get one of the two rewards listed above, at the end of the card anniversary year.

Complimentary airport lounge access outside India – 3 per year

Complimentary airport lounge access in India – 2 per quarter

Fuel surcharge waiver, upto ₹3500 per year : You get 1% fuel surcharge waiver-
– only on fuel transactions between ₹500 and ₹3000
– only on yearly fuel purchases of upto ₹3.50 lakhs (since the maximum waiver amount is limited to ₹3500 per year).

Railway surcharge waiver, upto ₹500 per year : You get rail surcharge waiver-
– 1.80% surcharge waiver for transactions made on the IRCTC website
– 2.50% surcharge waiver for transactions made at Indian railway booking counters
– Maximum waiver of ₹500 per year

Card sourcing locations – Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune

Benefits
– Good card for complimentary airport lounge access, both in India and abroad.
– Special benefits on shopping

Drawbacks to consider
– Overall reward rates on card spending are not very attractive, especially on other spending needs like travel, utility bill payments, fuel.