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Kotak Myntra Credit Card with zero fee for upto 3 years

Yes, NeuCoins comes at 20% depreciation if you do BB order or something i.e. 1.2% cashback on UPI spends. Neu gives cashback for as low as ₹37.

While for Kotak Myntra has MOV ₹2001 to earn 1.25% flat cashback.

Yoo ❤️, I prefer Myntra always unless it's a small spend (Neu).
It may be a silly question, but how do Neucoins depriciate by 20% ? Could u pls explain?
 
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