Myntra Kotak vs Samsung Axis Bank Signature
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Myntra Kotak Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.8/10 vs 7.7/10.
| Feature | Myntra Kotak | Samsung Axis Bank Signature |
|---|---|---|
| CardTrail Score | 7.8/10 | 7.7/10 |
| Annual Fee | ₹500 | ₹500 |
| Base Reward Rate | 1.25% | 1% |
| Max Reward Rate | 7.5% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 1 | 4 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa Signature |
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 5%
- Your primary spend is: shopping, cashback
When to Choose Samsung Axis Bank Signature
- You can meet the fee waiver condition: Spend ₹2L/year
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: shopping, cashback
Annual Fee Value Analysis
To break even on Myntra Kotak's ₹500 fee at 1.25% rewards, spend ₹3,333/month.
To break even on Samsung Axis Bank Signature's ₹500 fee at 1% rewards, spend ₹4,167/month.