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

Rahul Dabhi's profile photo Rahul Dabhi
4 min read
Reviewed by Renish Mithani Last reviewed 5 September 2026 Data verified 5 September 2026

Heads-up: Myntra HDFC Bank Credit Card is no longer openly issued, so some figures below may be stale. The application steps still show how issuer applications generally work.

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.

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

How to apply Total time: 5 min · You’ll need: Myntra app, Myntra account, PAN, Aadhaar, mobile

Apply for the Myntra HDFC Credit Card in 5 minutes via the Myntra app. Step-by-step walkthrough and approval tips for fashion shoppers.

  1. Open the Myntra app and sign in — Open the Myntra app and sign in to your Myntra account. The application requires an active Myntra account with a verified mobile number. If you do not have a Myntra account, create one before applying.
  2. Navigate to the credit card page — Go to My Profile → Insider → Get Credit Card. The page has an Apply Now button and a benefits calculator. Read the benefits carefully before applying.
  3. Check your eligibility — Tap Check Eligibility. The app will ask for your mobile number, PAN, and date of birth. Myntra and HDFC run a soft inquiry on your CIBIL and check internal data. Eligibility is decided within 30 seconds.
  4. Authorise Aadhaar eKYC — Tap Authorise. The app will redirect to a UIDAI page where you enter your 12-digit Aadhaar. Authorise and enter the OTP sent to your Aadhaar-linked mobile. eKYC completes within 60 seconds.
  5. Fill the application form — Complete the form with your full name (must match PAN), residential address, employment type, employer name, monthly income, and work email. The form is pre-filled with data from your Myntra profile.
  6. Submit income documents (if asked) — For incomes below ₹20,000/month, you may be asked to upload 2 years’ ITR. Most applicants are exempted because the card is treated as a low-risk entry-level product.
  7. Get instant approval and a virtual card — Approval is granted within 60 seconds for clean profiles. A virtual card number is generated immediately and added to your Myntra Insider wallet. The virtual card can be used for Myntra purchases right away.
  8. Receive the physical card and activate — The physical card is delivered within 5–7 days. Activate it through the HDFC SmartHub app, by calling the helpline, or at any HDFC ATM. The physical card works for offline and online purchases outside Myntra.

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).

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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