![Myntra clothing of the kind a Myntra Credit balance is spent on - men's jeans in two cuts - shown as they appear in the retailer's own catalogue photographs]()
Myntra Credit looks like a wallet and behaves like a voucher. Money goes in easily — refunds, gift cards, top-ups — and the rules governing what happens next are spread across twenty separate answers in Myntra's FAQ, none of which is labelled as a warning.
The most consequential is that the expiry clock runs on each individual credit rather than on the account, so a balance that has looked the same for months can be several amounts expiring on several different dates, with one email of notice each. Below: the expiry rule, the Rs. 50,000 cap that blocks top-ups but not refunds, the clause that spends your balance before your card, and the one case where taking a refund as Credit genuinely pays better than taking cash. Quoted as Myntra printed it on 3 October 2026.
Expiry: one year, per credit — not per account
Cap: Rs. 50,000 for top-ups; refunds still arrive above it
Always deducted before your card — the FAQ gives no way to decline
📅 Update log:
3 October 2026 — first published. myntra.com/faqs was read on 3 October 2026 with plain scrapling, logged out, in India, with nothing purchased, returned, topped up or refunded. The page renders as an accordion but ships all of its Q&A content as JSON in its own payload; 224 pairs parsed, of which the 20 covering Myntra Credit plus the Instant Refunds and cash-on-delivery answers are the source for this page. Every rule and quoted phrase is Myntra's own published text as it read on that date and can be changed by Myntra without notice. For context on how current that payload is: the same FAQ still prints a SuperCoin redemption deadline that has already passed, so this page reports what Myntra publishes rather than asserting it is up to date.
The rule that costs people money: every credit has its own expiry date
Myntra Credit is the store wallet that refunds, gift cards and top-ups land in. The single most important thing about it is in one answer in Myntra's own FAQ, and it is not phrased as a warning.
'Myntra Credit has maximum expiry time of 1 year for refunds and top ups. For each credit to Myntra Credit, you shall see a corresponding expiry date for the balance. Please ensure that you use the amount before expiry, after that it shall lapse.'
Read that carefully: the clock runs per credit, not per account. A refund of Rs. 1,200 taken into Credit today has its own expiry a year from today; a Rs. 500 top-up next March has a different one. A balance that has sat at the same number for months can still be made up of pieces expiring on four separate dates.
The notice you get is a single email: 'The user shall be sent a reminder about the expiry of the Myntra Credits one month in advance, by an email to the registered email id.' Myntra also states plainly that simply not using the app does not stop the clock — 'Your Myntra Credit account stays active, however please note that every credit transaction into Myntra Credit comes with an expiry time, at which a part or full amount from your Myntra Credit will expire.'
There is no maintenance charge and no minimum balance — Myntra states 'There are no maintenance charges for keeping Myntra Credit Balance' and 'There is no minimum amount to keep in Myntra Credit. It can go upto 0.00 as well.' The cost of holding a balance is not a fee. It is the expiry date.
What Myntra Credit can and cannot do
| Question | What Myntra's FAQ says |
|---|
| Can it be converted to cash? | No — 'You may not redeem Myntra Credit for Cash' |
| Can it be moved to a bank or wallet? | No — 'not allowed to be transferred to Bank, Wallets or other users accounts' |
| Can it be sent to another Myntra account? | No — and it cannot pay for another user's purchase |
| Can it be spent anywhere else? | No — 'can only be used to purchase products at Myntra App or Website' |
| Maximum balance | Rs. 50,000 — refunds still arrive above it, top-ups stop |
| Expiry | One year maximum, per credit, with one email a month before |
| Maintenance charge | None |
| Minimum balance | None — 'It can go upto 0.00 as well' |
| Can it buy a gift card or top up itself? | No — both are excluded |
| What happens if you uninstall the app? | Nothing — 'Your Myntra Credit account is still active' |
| What if the account is suspended? | Credit is suspended or closed with it |
The Rs. 50,000 cap is one-directional. Myntra's wording: 'You may keep Myntra Credits of value up to Rs. 50,000, after that you may still receive your refunds to Myntra Credit, but you shall not be able to top-up it further.' So the cap stops you adding money but does not stop refunds arriving — a balance can keep growing past the limit while your ability to use it stays exactly as restricted.
It gets spent first, and you cannot choose otherwise
This is the clause that surprises people at checkout. Myntra's FAQ is asked directly whether a customer can decide how much of an order to pay from Credit, and the answer is no.
'If you have balance in your Myntra Credit, then that will be used first. The remaining amount, if any, might be paid through other available online payment methods.' Asked again whether you can decline to use it at all: 'if Myntra Credit is being used then the order value will first be taken from Myntra Credit and the remaining order value, if any, shall be paid by other available online payment method.'
The practical consequence is about card offers, not about convenience. If a bank discount needs a minimum transaction value on the card, a Credit balance that is spent first reduces the amount that actually reaches the card — and the FAQ gives no mechanism for holding the balance back. It is worth knowing before you plan a purchase around a card offer.
Returns put the money straight back where it came from: 'The refunded amount of these returned items shall be added to your Myntra Credit.'
The one place taking Credit beats taking cash
Against all of the above, there is a genuine advantage, and it is Myntra's own stated policy rather than our inference.
'If a customer chooses to get a refund in the form of Myntra Credits, as a goodwill gesture, we would not be deducting any discounts availed.'
That answer appears under the question 'Why are you deducting only when I transfer to source & not to Myntra Credits?' — which tells you the deduction on refund-to-source is real and routine. If you bought something using a promotional discount and send it back, the refund to your bank can be smaller than the refund to Myntra Credit.
So the honest summary is a trade rather than a verdict: refund to source gets you real money with a possible deduction; refund to Credit gets you the full amount, locked inside Myntra, on a one-year clock. Which is better depends entirely on whether you were going to shop there again inside the year.
Instant Refunds and the COD fee, in Myntra's own words
All read from myntra.com/faqs on 3 October 2026.
- Instant Refunds: 'Upon successful pickup of the return product at your doorstep, Myntra will instantly initiate the refund to your source account or chosen method of refund. Instant Refunds is not available in a few select pin codes and for all self ship returns.'
- How fast 'instant' actually is: 'For refunds taken into source accounts via UPI & Wallet, your refund will reflect instantly (48hrs in case of delay). For refunds taken to source accounts (that is Credit Card, Debit Card and Netbanking), your refund may take 5 business days to reflect in your account depending upon your bank partner.'
- The COD fee is never refunded: 'The COD fee is non-refundable in case of an unlikely event of cancellation (partial or full) or return of the order.' Myntra describes it as 'a small fee for Cash/Pay on Delivery orders towards the handling costs of such orders'.
- COD limits: cash on delivery is available 'for all orders between Rs. 299 and Rs. 49999', and the option disappears if a pending unpaid COD order would push the combined total over Rs. 49,999. 'Myntra reserves the right to determine the COD limit for every customer and/or orders.'
- Rs. 2,000 notes: 'Effective September 20, 2023, we will no longer be able to accept Rs. 2,000 currency notes for Cash on Delivery (COD) orders, in compliance with the guidelines provided by the Reserve Bank of India on May 19, 2023.'
How money gets into Myntra Credit in the first place
- Refunds. 'You may take refunds of returned items' into Credit rather than to source — the route that avoids the discount deduction described above.
- Gift cards. 'Add your Myntra Gift Card to Myntra Credit.' Note that Credit cannot be used to buy a gift card in the other direction.
- Top-up. 'You may top-up Myntra Credit by available online payment methods at Myntra App or Website' — using 'Net Banking, Credit/Debit Cards, PhonePe wallet'. Explicitly not accepted for top-ups: 'Cash on delivery, International Cards, Gift Cards'.
- Checking the balance. Sign in and open the Myntra Credit tab in your profile, where the FAQ says the balance appears. Each credit's expiry date sits against it, which is the only way to see which part of a balance is closest to lapsing.
- Unauthorised use is your problem. Myntra's answer is blunt: 'You need to protect your Myntra Account. If someone gets unauthorized access to your Myntra Account, they may use your Myntra Credit to purchase products at Myntra on your behalf without your knowledge.' No reversal mechanism is described.
Four practical rules
- Take refunds to source unless you shop at Myntra regularly. Credit cannot become cash, cannot leave the platform and lapses within a year. The exception is real but narrow: if you used a discount on the original order, the refund to Credit is not reduced by it and the refund to source may be.
- Spend the oldest credit first. Each credit carries its own expiry, so a stable-looking balance can be several amounts with several dates. The profile tab shows them.
- Do not plan a card offer around a Credit balance. Credit is deducted first and the FAQ gives no way to decline it, so the amount reaching your card is whatever is left.
- Treat the COD fee as spent. It is non-refundable on cancellation, partial cancellation or return, and cash on delivery only works between Rs. 299 and Rs. 49,999 in the first place.
Frequently Asked Questions
Does Myntra Credit expire?
Yes, and the clock runs separately on each credit. Myntra's FAQ states: 'Myntra Credit has maximum expiry time of 1 year for refunds and top ups. For each credit to Myntra Credit, you shall see a corresponding expiry date for the balance. Please ensure that you use the amount before expiry, after that it shall lapse.' So a balance built from a refund in October and a top-up in March has two different expiry dates inside it. The only notice described is one email: 'The user shall be sent a reminder about the expiry of the Myntra Credits one month in advance, by an email to the registered email id.' Not using the app does not pause this — Myntra states the account stays active but each credit still expires on its own schedule. Read from myntra.com/faqs on 3 October 2026.
Can I transfer Myntra Credit to my bank account?
No. 'You may not redeem Myntra Credit for Cash. Myntra Credit is also not allowed to be transferred to Bank, Wallets or other users accounts.' It also cannot be used to pay for a purchase made from another Myntra account, cannot be spent on any other website or app — 'Myntra Credit can only be used to purchase products at Myntra App or Website' — and cannot be used to buy a Myntra gift card or to top itself up. A Myntra account is required to hold it at all, and if the account is suspended or closed the FAQ states the Credit account goes with it.
Is it better to take a Myntra refund as Credit or to the original account?
It depends on one thing Myntra states openly. 'If a customer chooses to get a refund in the form of Myntra Credits, as a goodwill gesture, we would not be deducting any discounts availed.' That answer sits under the question 'Why are you deducting only when I transfer to source & not to Myntra Credits?', so a refund to your bank can come back smaller than a refund to Credit if you used a promotional discount on the order. Against that, Credit cannot become cash, cannot leave Myntra and lapses within a year. If you shop at Myntra regularly the Credit route is worth more; if you do not, the deduction may be cheaper than letting a balance expire.
What is the maximum Myntra Credit balance?
Rs. 50,000, but only for money you add yourself. 'You may keep Myntra Credits of value up to Rs. 50,000, after that you may still receive your refunds to Myntra Credit, but you shall not be able to top-up it further.' So the cap blocks top-ups and not refunds, and a balance can continue to rise past it. There is no minimum balance — 'It can go upto 0.00 as well' — and no maintenance charge. Top-ups accept net banking, credit and debit cards and the PhonePe wallet, and explicitly do not accept cash on delivery, international cards or gift cards.
Is the Myntra COD fee refunded if I return the order?
No. Myntra's FAQ states: 'The COD fee is non-refundable in case of an unlikely event of cancellation (partial or full) or return of the order.' Myntra describes the charge as 'a small fee for Cash/Pay on Delivery orders towards the handling costs of such orders' and the FAQ does not state an amount, so check it at checkout. Cash on delivery itself is available 'for all orders between Rs. 299 and Rs. 49999', the option disappears if an unpaid pending COD order would take the combined value over Rs. 49,999, and Rs. 2,000 notes have not been accepted since 20 September 2023. Separately, Myntra states that the order value used to calculate any refund 'is calculated after all discounts, VAT/ GST, or any other applicable charges have been applied'.
Prices & codes last verified: October 3, 2026
This page summarises and quotes Myntra's own published FAQ at myntra.com/faqs, read on 3 October 2026, logged out, in India. We did not create, top up, spend, refund, transfer or allow to lapse any Myntra Credit balance, and nothing here is a report of any transaction or of how any rule was applied in any individual case. Every limit, time window, exclusion and quoted phrase is Myntra's own text reproduced as published on that date and may be changed by Myntra Designs Private Limited at any time without notice; the same payload was observed to contain at least one deadline that has already passed, which is reported above and is a reason to treat the page as published text rather than as a guaranteed current state. Amounts such as the cash-on-delivery handling fee are described by Myntra without a figure and must be checked at your own checkout. Nothing here alleges that Myntra Designs Private Limited has acted improperly, unfairly or unlawfully, or has breached the Consumer Protection Act, the Consumer Protection (E-Commerce) Rules, the Payment and Settlement Systems Act, any Reserve Bank of India direction on prepaid payment instruments or any other law, rule or regulation; expiry dates, balance caps and non-transferability are ordinary and lawful features of a closed-loop store credit facility. Nothing on this page is legal, financial or tax advice, and it does not describe or limit any statutory right you may have as a consumer in India, which exists independently of any platform's published policy. Product photographs used in the banner are Myntra's own catalogue images and are illustrative only; no product shown is being reviewed or recommended here.
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