How to Apply for the Myntra HDFC Credit Card via the Myntra App in 2026

The Myntra HDFC Credit Card is a co-branded card for Myntra users. The application runs through the Myntra app, takes 5 minutes, and offers 7.5% cashback on Myntra orders, 5% on partner merchants, and 1.5% on all other online spends. The card is open to all users, not just HDFC customers.

Why this matters

If you spend ₹5,000/month on Myntra, the 7.5% cashback gives you ₹375/month. Across 12 months, that is ₹4,500 — meaningful for a lifetime-free card for fashion shoppers. The application is fully digital and the cashback is credited directly to your Myntra Insider wallet, which can be used for any Myntra order.

Related cards

How to Apply for the Myntra HDFC Credit Card via the Myntra App in 2026

Common mistakes to avoid

The most common mistake is not linking the card to your Myntra Insider wallet — without linking, the 7.5% cashback is not credited. The second is hitting the monthly cap (₹500 per month) and not realising the rest earns only 1.5%. The third is using the card for non-Myntra fashion apps (Ajio, Nykaa Fashion), which earn only 1.5%.

Pro tips

• Link the card to Myntra Insider within 7 days of card activation
• Use the card only on Myntra to maximise 7.5% cashback
• Track the ₹500 monthly cashback cap in the Myntra app
• Pair with Flipkart Axis for Flipkart and Cleartrip

Frequently asked questions

Is the Myntra HDFC card lifetime free?

Yes. There is no joining fee, no annual fee, and no fee waiver target. The card is free for life as long as you use it at least once every 12 months.

What is the cashback cap?

7.5% on Myntra is capped at ₹500 per month. 5% on partner merchants is capped at ₹500 per month.

Is cashback credited to Myntra Insider?

Yes. Cashback is credited to your Myntra Insider wallet within 2 working days. It can be used for any Myntra order or transferred to a bank account (₹5 fee per transfer).