The Kotak Myntra Credit Card Discontinuation in July 2025: Your Complete Guide to What's Next

The Shock Announcement That Nobody Saw Coming

Your inbox probably lit up like a Diwali celebration, but not with good news. The Kotak Myntra Credit Card is officially getting the axe on July 10, 2025. And honestly? It feels like watching your favorite coffee shop close down overnight.

I've been tracking this development since the first emails started hitting inboxes, and wow – this card was literally the crown jewel of Kotak's otherwise mediocre credit card portfolio. But here we are, saying goodbye to what many considered the best co-branded shopping card in India.

What's Actually Happening (The Real Tea)

Starting July 10, 2025, your beloved Myntra card transforms into either the Kotak League Credit Card or Kotak Zen Credit Card. Most folks are getting migrated to the League card, though some lucky ones are being offered the Zen upgrade.

And that sweet 7.5% instant discount on Myntra? Gone. Vanished. Poof. Along with that unlimited 1.25% cashback that made this card actually worth carrying.

The migration is automatic unless you actively opt out. Your annual fee structure stays the same – so if you were paying ₹500 for the Myntra card, you'll pay ₹500 for whichever replacement they give you.

Meet Your New Cards (They're... Different)

Kotak League Credit Card - The Basic Replacement

Think of this as going from a sports car to a bicycle. Here's what you're getting:

• Reward Rate: 8 points per ₹150 spent (that's roughly 0.53% value)

• Welcome Benefit: 5,000 points worth ₹500

• Movie Perks: 4 free PVR tickets when you spend ₹1.25 lakhs every 6 months

• Annual Fee: ₹499 (waived on ₹50,000 annual spend)

• The Catch: No lounge access, no Myntra discount, no partner cashback

Kotak Zen Credit Card - The "Premium" Option

This one's trying harder, like that friend who dresses up for casual hangouts:

• Reward Rate: 10 points per ₹150 on shopping, 5 points on everything else

• Travel Benefits: 8 domestic + 3 international lounge visits annually

• Annual Fee: ₹1,500 (waived on ₹1.5 lakh spend)

• Welcome Gift: 1,500 points worth ₹375

• Milestone Rewards: Up to 15,000 bonus points on high spending

Kotak White Credit Card - The Luxury Dream

For the few, the wealthy, the ones who spend like there's no tomorrow:

• Fee Structure: ₹3,000 annually (waived on ₹5 lakh spend)

• Rewards: White Pass value system with up to ₹27,000 annual earnings

• Travel Perks: Unlimited international lounge access with Priority Pass

• Income Requirement: ₹25 lakhs+ annually

Why Did They Kill Our Darling? (The Conspiracy Theories)

Here's where it gets interesting. Could the Flipkart Axis card revival be the real culprit?

Think about it – Axis Bank just announced that their Flipkart card will offer 7.5% cashback on Myntra starting June 2025. That's the exact same rate the Kotak Myntra card offered, but with better overall benefits.

It's like musical chairs, but with credit cards. When the music stopped, Kotak's partnership didn't have a seat.

Plus, let's be real – too many cards were offering Myntra benefits. From HDFC Swiggy to superCard, the market was getting crowded. Someone had to go, and unfortunately, it was our beloved Myntra card.

Your Action Plan (Don't Panic, But Do Act)

Maximize Every Last Day

You've got until July 10, 2025, to squeeze every drop of value from this card:

• Use that 7.5% Myntra discount like it's going out of style (because it literally is)

• Hit those partner merchants hard – 5% on Swiggy, PVR, Cleartrip isn't coming back

• Pump that 1.25% unlimited cashback on everything else

The Reward Points Dilemma

Here's something my friend learned the hard way when his HDFC Regalia First got "upgraded" to Regalia Gold – reward points often lose value during migrations.

My advice? Cash out everything before July 10th. Don't risk getting a worse redemption rate on your new card. The cashback on the Myntra card automatically credits to your statement anyway, so this is more about maximizing your final purchases.

The Smart Move Forward

Honestly? Unless you're getting the Zen card LTF (lifetime free) through some miracle, I'd seriously consider opting out and looking elsewhere.

The Flipkart Axis card is looking mighty attractive right now:

• 7.5% cashback on Myntra (capped at ₹4,000 per quarter)

• 5% on Flipkart and Cleartrip

• 1.5% base cashback on everything else

• Same ₹500 annual fee

What You're Actually Losing (Let's Be Honest)

This isn't just a card change – it's a lifestyle downgrade:

• No more unlimited 1.25% cashback (the League card gives you 0.53% effective rate)

• Zero Myntra benefits on any replacement card

• No partner merchant cashback like Swiggy and PVR

• Your quarterly lounge access is gone unless you get the Zen card

The numbers don't lie – you're going from one of India's best cashback cards to something that's... well, just okay.

The Bottom Line

This feels like a classic case of "if it ain't broke, don't fix it" – except someone decided to fix it anyway and broke everything.

My recommendation? Milk this card dry until July 10th, then make the jump to Flipkart Axis or any other card that actually values your spending. Don't let sentiment keep you tied to a downgrade.

The Kotak Myntra card was special. What they're offering in return? Not so much.

What are your thoughts on this migration? Drop a comment below and let us know which replacement card you think offers the best value – or if you're planning to ditch Kotak altogether.

We'll have a detailed analysis of the best alternatives coming soon. Watch this space, and go #EarnThatSpend!