HomeCredit CardsPVR INOX Kotak Credit Card
PVR INOX Kotak Credit Card

Kotak Mahindra Bank

PVR INOX Kotak Credit Card

visaclassiccreditmovies

Annual Fee

₹589₹499 + GST

Base Reward

1% movie tickets

Foreign Markup

3.5%

Apply Now
4.4/5
VerifiedLast updated 26 May 2026

Product Highlights

  • Zero joining fees
  • Unlimited movie tickets with monthly spends

Category Rewards

Specialty

20% off F&B at PVR INOX

20X

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
PVR

PVR

5% off movie tickets

5X
INOX

INOX

5% off movie tickets

5X
PVR INOX

PVR INOX

5% off movie tickets

5X

Reward Calculator

Costs you ₹289/year

Break-even needs ~₹31,414/month at your reward mix.

Monthly spend

₹16K

across all your buckets

Points / yr

1.2K

Kotak Reward Points

Best worth

₹300

via standard · ₹0.25/pt

Effective rate

0.16%

Annual fee

₹589

Year 1 net

₹-289

Year 2+ net

₹-289

ongoing

Adjust your spend by reward bucket

3 buckets
20.0%20% off F&B at PVR INOX
₹3,000/mo
Earns 0 kotak reward points / mo≈ ₹0 worth/mo
5.00%5% off movie tickets
₹3,000/mo
Earns 0 kotak reward points / mo≈ ₹0 worth/mo
0.25%All other spends
₹10,000/mo
Earns 100 kotak reward points / mo≈ ₹25 worth/mo

Milestone Rewards

Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.

₹50K
₹5K₹50K₹1L₹2L₹3L

per month · You spend ≈ ₹50K

₹10K₹300 value

1 free PVR INOX movie ticket (cap ₹300)

₹20K₹600 value

2 free tickets

₹30K₹900 value

3 free tickets

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Foreign exchange markup

3.5%

Charged on every international (non-INR) transaction

Excluded from rewards

rent, wallet, online gaming, fuel, cash advance, emi

Fuel surcharge waiver (good news)

1%

on ₹500–₹3,000 fuel txns · capped at ₹3,500/cycle

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

Earn one free movie ticket worth ₹300 for every monthly spend of ₹10,000 at PVR/INOX theatres. Get a 20% discount on food and beverages at PVR/INOX theatres and a 5% discount on movie ticket bookings.

Benefits & Features

20% discount on Food and Beverages at PVR/INOX theatres.

Pros & Cons

Pros

  • Zero joining fees
  • Earn one movie ticket for every ₹10,000 spent

Cons

  • No waivers available for renewal charges
  • No rewards rate specified

Partner Merchants

PVRINOX

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual Fee₹499
Joining Fee₹499 + GST
Foreign Markup3.5%
Interest Rate3.5% Monthly (Annualized 42%)
Cash Advance2.5% of Amount or ₹500

Eligibility

Min Age

18 yrs

Networks

visa