BOI RuPay Select vs Myntra Kotak
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Both cards score 7.8/10 — your spending pattern decides the winner.
| Feature | BOI RuPay Select | Myntra Kotak |
|---|---|---|
| CardTrail Score | 7.8/10 | 7.8/10 |
| Annual Fee | ₹800 | ₹500 |
| Base Reward Rate | 2% | 1.25% |
| Max Reward Rate | 2% | 7.5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 2 | 1 |
| International Lounges | 2 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | RuPay | Visa |
When to Choose BOI RuPay Select
- You can meet the fee waiver condition: Spend Rs 1L/year
- Airport lounge access matters — 2 domestic visits
- Your primary spend is: lifestyle, entertainment, shopping
When to Choose Myntra Kotak
- You can meet the fee waiver condition: Spending Rs. 2 lakh in a year
- You want higher rewards — up to 7.5% vs 2%
- Your primary spend is: shopping, cashback
Annual Fee Value Analysis
To break even on BOI RuPay Select's ₹800 fee at 2% rewards, spend ₹3,333/month.
To break even on Myntra Kotak's ₹500 fee at 1.25% rewards, spend ₹3,333/month.