Kotak Mahindra Bank
PVR Kotak Platinum Credit Card
Annual Fee
₹1,179₹999 + GSTBase Reward
1% cashback
Foreign Markup
3.5% on all foreign currency spends
Product Highlights
- Zero joining fee
- 2 free PVR movie tickets every month on spending ₹10,000 or more
- Insurance coverage in case the card is lost
Category Rewards
Specialty
2 RP / ₹100 on online spends
0.2%
Merchant-Specific Rewards
PVR
15% CashBack on food and beverages
PVR
5% CashBack on movie tickets
Reward Calculator
Costs you ₹987/year
Break-even needs ~₹79,829/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
₹1,179
Year 1 net
₹-987
Year 2+ net
₹-987
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
2 free PVR movie 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 two free PVR movie tickets every month on spending ₹10,000 or more. Enjoy 5% cashback on PVR movie tickets and 15% cashback on food and beverages at PVR.
Redemption
The free PVR movie tickets can be redeemed by sending an SMS to the bank’s customer care or via net banking.
Benefits & Features
1% fuel surcharge is applicable at all fuel stations
Pros & Cons
Pros
- 5% cashback on PVR movie tickets
- 15% cashback on food and beverages at PVR
- Zero liability protection against unauthorized transactions
Cons
- No joining fee but annual fee applies
- No fuel surcharge waiver
Additional Info
Insurance cover of ₹75,000 against a lost/stolen card.
Partner Merchants
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Fees & Charges
Eligibility
Networks