Kotak Mahindra Bank
PVR Kotak Gold Credit Card
Annual Fee
₹885₹750 + GSTBase Reward
4% points
Foreign Markup
3.5% on all foreign currency spends
Product Highlights
- Zero Joining Fee
- 2 free PVR movie tickets on spending ₹15,000
Category Rewards
Specialty
2 RP / ₹100 online
0.2X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
PVR
5% CashBack on Movie tickets
Reward Calculator
Costs you ₹693/year
Break-even needs ~₹59,922/month at your reward mix.
₹13K
across all your buckets
1.9K
Kotak Reward Points
₹192
via standard · ₹0.1/pt
Effective rate
0.12%
Annual fee
₹885
Year 1 net
₹-693
Year 2+ net
₹-693
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per month · You spend ≈ ₹50K
1 free PVR ticket
2 free PVR 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
fuel, cash advance, rent, wallet, emi, government, education
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
Get 1 free PVR Movie ticket each month on spending ₹10,000 in a month. Enjoy 2 free PVR Movie tickets each month on spending ₹15,000 in a month. Get 15% cashback on Food and Beverages at PVR. 5% cashback on Movie tickets at PVR Box Office.
- The movie tickets can be redeemed by logging in to kotak.com or by sending an SMS.
Benefits & Features
15% cashback on Food and Beverages at PVR.
Pros & Cons
Pros
- No joining fee
- Exciting movie offers
- Cashback on Food and Beverages
Cons
- Limited to movie-related rewards
- No travel benefits
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Networks