Au Myntra Credit Card
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Community Consensus
Consensus Note: Au Myntra Credit Card issued by AU Small Finance Bank remains a flagship choice for Frequent Myntra shoppers who want instant discounts on fashion purchases. Verified user discussions highlight strong yields on spending thresholds.
At-A-Glance Quick Facts
AI Verdict CredSutra Engine
Synthesized objective algorithmic score
The Au Myntra Credit Card issued by AU Small Finance Bank offers competitive value for Frequent Myntra shoppers who want instant discounts on fashion purchases. Audit your monthly spending against its ₹500 + GST | Waived on ₹1,00,000 annual spend fee structure.
Key Trade-offs & Considerations
- ⚡ Annual fee of ₹500 + GST | Waived on ₹1,00,000 annual spend
- ⚡ Lounge access policy: 1 domestic lounge visit/quarter (no spend requirement)
- ⚡ Reward rate: 5% instant discount on Myntra (capped ₹750/transaction, ₹1,000/month) | 5% cashback on Swiggy/Zomato/BigBasket/Cleartrip (capped ₹100/month overall)
Key Benefits & Characteristics
Category Rewards Multiplier Matrix
| Spend Category | Earning Multiplier / Return Rate |
|---|---|
| flight Travel & Flights | 2% to 5% points |
| shopping_cart Online Shopping & SaaS | 1% to 5% cashback |
| storefront Offline Retail Stores | 1% reward points |
| account_balance Government & Tax Pay | 0.5% (Caps apply) |
| house Rent & Wallet Loads | Excluded / 1% surcharge |
receipt_long Fee & Surcharge Breakdown
Detailed Analysis & Review
AU Myntra Credit Card Review
[!CAUTION] Discontinued Card: The AU Myntra Credit Card is no longer accepting new applications as of July 2026. It has been removed from AU Bank’s official website. This review is for existing cardholders who still hold this card. If you’re looking for a Myntra co-branded card, consider the HDFC Regalia Gold (5X on Myntra via SmartBuy) or cashback cards with no fashion restrictions.
At a Glance
| Annual Fee | ₹500 + GST — waived on ₹1,00,000 annual spend |
| Welcome Benefit | ₹500 Myntra Voucher on first transaction within 30 days |
| Myntra Discount | 5% instant discount, capped at ₹750/transaction, ₹1,000/month |
| Partner Cashback | 5% on Swiggy, Zomato, BigBasket, Cleartrip — capped at ₹100/month total |
| Lounge Access | 1 domestic lounge visit/quarter (Visa Lounge Program, no spend gate) |
| Myntra Insider | Complimentary 12-month Myntra Insider membership |
| Fuel Surcharge Waiver | 1% waiver, max ₹150/month, on ₹400–₹5,000 transactions |
Pros
- 5% instant discount on Myntra — for fashion shoppers, this is real money off at checkout. ₹750 saved on a ₹15,000 purchase is genuine value
- ₹500 Myntra welcome voucher — on just the first transaction within 30 days. Effectively offsets the first year’s fee
- 1 free domestic lounge visit per quarter — no spend requirement. 4 visits per year with a ₹500 annual card is excellent value
- ₹1L fee waiver is achievable — spend ₹8,333/month and the ₹500 fee disappears
- Complimentary Myntra Insider membership — 12-month enrollment for free shipping and exclusive discounts
- 5% cashback on Swiggy/Zomato/BigBasket/Cleartrip — covers food delivery, grocery, and travel booking in one partner network
Cons
- DISCONTINUED — no new applications — the card has been removed from AU Bank’s portfolio. New applicants cannot get this card
- Partner cashback capped at ₹100/month total — across Swiggy, Zomato, BigBasket, and Cleartrip combined. That’s just ₹2,000 in eligible spend before the cap hits (at 5%)
- Myntra discount capped at ₹1,000/month — any Myntra spend above ₹20,000 in a month earns nothing extra
- ₹500 fee even with spend — but waiver at ₹1L — you need ₹1L annual spend for fee reversal. For a ₹500 card, the waiver threshold is disproportionately high compared to the fee
- ₹750/transaction cap on Myntra — if you’re buying a ₹50,000 phone or laptop, you only get ₹750 off instead of 5% on the full amount
- No lounge for international travel
- 3.5% forex markup — not a travel companion card
- Standard AU exclusions — fuel, wallet loads, rent, government spends earn nothing
Rewards Earning
Cashback Categories
| Category | Cashback Rate | Monthly Cap | Notes |
|---|---|---|---|
| Myntra (app & website) | 5% instant discount | ₹1,000 (₹750/txn) | Applied at checkout immediately |
| Swiggy | 5% cashback | ₹100 (with all partners) | Across food, Instamart, Dineout |
| Zomato | 5% cashback | ₹100 (shared) | |
| BigBasket | 5% cashback | ₹100 (shared) | |
| Cleartrip | 5% cashback | ₹100 (shared) | |
| Other retail | Reward points (1 RP/₹100 ≈ 0.25%) | No cap | Base earning rate |
| Fuel, Rent, Wallet, Govt | 0% | N/A | Completely excluded |
[!IMPORTANT] The partner cashback pool of ₹100/month is shared across ALL four partners. If you spend ₹1,000 on Swiggy this month (₹50 cashback), you only have ₹50 left for Zomato, BigBasket, and Cleartrip combined.
Reward Point Redemption Value
| Redemption Method | Value per RP |
|---|---|
| Statement Credit / Cashback | ₹0.25 |
| Brand Vouchers | ₹0.25 |
Redemption fee: ₹99 + GST per transaction.
Airport Lounge Access
[!NOTE] No spend requirement — 1 complimentary domestic airport lounge visit per calendar quarter. This is one of the best lounge perks on a ₹500 fee card. Most cards at this price point either skip lounge access or impose a spend gate.
Domestic Lounge
- 1 visit per calendar quarter (4 per year)
- Spend requirement: None
- Program: Visa Lounge Program
Fees & Charges
| Fee | Amount |
|---|---|
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST |
| Fee Waiver | ₹1,00,000 annual spend |
| Forex Markup | 3.5% |
| Cash Advance | ₹250 or 2.5% |
| Reward Redemption | ₹99 + GST per transaction |
| Fuel Surcharge Waiver | 1% (₹400–₹5,000, max ₹150/month) |
Whois This Card For?
Ideal for (existing cardholders only):
- Existing holders who shop on Myntra — the 5% instant discount is real savings
- Anyone using Swiggy, Zomato, BigBasket, or Cleartrip — even with the ₹100 cap, the cashback is free money on services you already use
- Those who value lounge access — 4 free domestic visits/year with no spend gate is exceptional for a ₹500 card
Not ideal for:
- New applicants — the card is discontinued
- Heavy online shoppers who will hit the ₹1,000 Myntra cap quickly
- Users wanting a single card for all spending — the exclusion list is long
- International travelers — 3.5% forex markup is punishing
The Verdict
[!NOTE] The AU Myntra Credit Card was an excellent entry-level co-branded card during its active period. The 5% Myntra discount, ₹500 welcome voucher, and free lounge access at just ₹500/year made it a compelling choice for fashion shoppers. The ₹100/month shared cap on partner cashback was the main weakness, but for its price, the card delivered good value.
For existing cardholders, it’s still worth keeping: the lounge access alone justifies the ₹500 fee, and the Myntra 5% discount is genuinely useful for regular shoppers. Just be aware the card is no longer available for new applicants.
Bottom line: A great card that’s now discontinued. Existing holders should keep it for the lounge benefit and Myntra discounts. New applicants should look at HDFC Millennia or cashback cards for online shopping rewards.
Last verified on July 2, 2026. This card is discontinued and no longer listed on AU Bank’s official website. Data based on original card terms and conditions.