Myntra Credit: What It Is & How to Use for Shopping

Edited On: May 27, 2025

May 20, 2025

Myntra is one of India’s largest online fashion and lifestyle shopping platforms. Founded in 2007 and now part of the Flipkart Group, Myntra has become a go-to destination for millions of shoppers looking for trendy clothing, footwear, accessories, and home decor. The platform lists over 6,000 popular brands and handles 33 million monthly visits, making it a major player in India’s e-commerce space.

With millions of orders processed every day, it is one of the fastest-growing e-commerce platforms in the country. To make your shopping even smoother, Myntra has a feature called Myntra Credit.

When you return a product and get a refund, instead of waiting several days for the money to go back to your bank or card, Myntra adds the refund amount instantly to your Myntra Credit wallet. In this blog, we will guide you through how Myntra Credit works, its benefits, and why it can make your shopping experience smoother and more rewarding.

What is Myntra Credit?

Myntra Credit works as a digital wallet or also known as a prepaid payment instrument (PPI), where refunds from returned products are instantly credited. Instead of waiting for your refund to return to your bank or card, Myntra puts that amount directly into your Myntra Credit account instantly. This means you can use the balance right away whenever you want to shop again.

You can also add money to this wallet using gift cards or by topping up, making it easier to shop without repeatedly entering payment details. It’s a convenient way to keep your refunded money ready for use right on whenever you want to shop again.

How Myntra Credit Works

When you return a product on Myntra, the refund amount is not sent back to your bank or card immediately. Instead, it is added instantly to your Myntra Credit wallet.
The credit balance remains in your account, ready for use at any time for new purchases.
When you shop again, you can choose the Credit amount as your payment method during checkout. The amount will be deducted from your credit balance.
If your Myntra Credit is not enough to pay for the full order, you can pay the remaining amount using other payment options like cards, UPI, or net banking.
You can also add money to your credit account by topping up through online payment methods on the Myntra app or website.
Myntra Credit helps you shop faster since you don’t have to wait for refunds to process or enter payment details every time.

Myntra Credit Benefits

Faster Refunds: Get your refund instantly as Myntra Credit, so you can use it right away for your next purchase.
Instant Checkout: Pay quickly with one click using Myntra Credit, making your shopping fast and easy without entering payment details every time.
Consolidated Money: All your gift cards, refunds, and cashback combine into one Myntra Credit balance for simple and easy spending.
Exclusive Offers on Using Myntra Credit: Enjoy special discounts and deals only when you pay with Myntra Credit, saving more on your favorite products. Plus, don’t forget to check out GrabOn for exclusive Myntra promo codes, which can help you save even more on your shopping.

How to Top-up your Myntra Credit

Step 1: Open the Myntra app or website and navigate to your profile.

Step 2: Tap on the Myntra Credit section, then select the Top Up option.

Step 3: Enter the amount you want to add to your credit balance, between Rs. 100 and Rs. 10,000.

Step 4: Choose your preferred payment method, such as UPI, debit or credit card, or net banking.

Step 5: Complete the payment process, and the amount will be instantly added to your Myntra Credit.

How Do You Check the Balance in Your Myntra Credit?

Step 1: Sign in to your Myntra account on the app or website.

Step 2: Go to your profile section.

Step 3: Click on the Myntra Credit tab.

Step 4: Here, you can see your available Myntra Credit balance.

What is the Top-Up Limit For Your Myntra Credit?

The maximum top-up limit for each Gift Card is Rs. 10,000.
The total amount in your Myntra Credit should not exceed Rs. 50,000 at any time.

Usage Restrictions For Myntra Credits

Non-Transferable: Once Myntra Credit is added to your account, it cannot be transferred to another Myntra account under any circumstances.
No Cash Withdrawals: Credits cannot be withdrawn as cash or transferred to your bank account. It can only be used for shopping on Myntra.
Cannot Be Used for Gift Cards: You cannot use your credits to purchase Gift Cards. It is only valid for buying products listed on Myntra.
Only Usable on the Myntra App and Website: Myntra Credit can only be used for transactions on Android, iOS, and the Myntra Website. It cannot be accessed or used on any other platform.

Things to Keep in Mind While Using Myntra Credit

Top-Up Options Are Limited: You can only top up using Indian-issued net banking or credit/debit cards. International cards are not accepted.
Not Usable for Other Accounts: Your credit account is linked to your Myntra account. You cannot use it to pay for someone else’s purchases on Myntra.
Validity Period of One Year: The credits come with a maximum expiry time of 1 year from the date it is added. Each credit transaction shows its expiry date, so be sure to use it before it expires.
No Redemption for Cash or Wallets: You cannot redeem your credit for cash or transfer it to wallets, bank accounts, or other user accounts.

Key Takeaways

To wrap up, Myntra Credit is a handy tool that makes shopping on Myntra easier by helping you manage refunds and payments all in one place. Knowing how to use it can save you time and make checkout quicker. We hope this article has given you a clear and simple understanding of what Myntra Credit is and how it works. If you love shopping on Myntra and don’t want to miss out on any great deals, make sure you check out our detailed guide on Myntra’s upcoming sales, where we regularly share the latest sale updates and offers.

Frequently Asked Questions

What is meant by Myntra credit?
Myntra Credit is like a digital wallet within your Myntra account. It stores refunds, cashback amounts, and any money you top up directly. This makes it easy to pay for your favorite products on Myntra without the need to enter payment details every time.

Where can I find Myntra credit?
To check your Myntra Credit balance, simply log in to your Myntra account on the app or website. Go to your Profile section and click on the Myntra Credit tab. Here, you will be able to see your available balance displayed, along with any recent transactions you’ve made.

How to pay using Myntra credit?
Paying with Myntra Credit is very simple. When you add items to your cart and proceed to checkout, you will see Myntra Credit listed as one of the payment options. Just select it, and the amount will be automatically deducted from your available balance. If your Myntra Credit balance isn’t enough to cover the full cost, you can pay the remaining amount using another payment method.

What Payment Methods can I use to top up my Myntra Credit?
You can easily top up your Myntra Credit using any of the following methods:

Net Banking
Credit or Debit Cards
PhonePe Wallet

However, some payment methods are not accepted for topping up Myntra Credit:

Cash on Delivery (COD)
International Cards
Gift Cards

When you proceed to the payment page, you will see all the accepted options listed.

Can I buy items on other e-commerce websites with Myntra Credit?
No, Myntra Credit is strictly meant for shopping on Myntra’s App and Website only. It cannot be used for purchases on other e-commerce platforms or apps.