PVR INOX Kotak Credit Card

Overview

The PVR INOX Kotak Credit Card is a co-branded entertainment card from Kotak Mahindra Bank, built specifically for frequent moviegoers. Its core value proposition is simple: spend ₹10,000 on any purchases during a monthly billing cycle, and earn one free PVR INOX movie ticket worth ₹300. Spend ₹20,000 and get two tickets, ₹30,000 for three, and so on with no monthly cap. That makes this one of the few Indian credit cards where your general spending directly translates into free movie experiences.Beyond free tickets, every PVR INOX visit becomes cheaper. The card gives a flat 5% discount on movie ticket purchases and 20% off food and beverages at any PVR INOX theater or through the PVR app and website. For anyone who regularly buys popcorn and drinks at the cinema (where margins are notoriously high), the F&B discount alone can save several hundred rupees each month.Cardholders also get complimentary access to PVR INOX in-cinema premium lounges at no entry cost. While any purchases inside the lounge are at the cardholder's expense, the free entry itself is a notable perk for a card with no joining fee. The M-Coupon system for claiming free tickets is handled through the Kotak Mobile App, where coupons stay valid for 60 days after claiming and work across any format, any theater, and any seat category.At ₹499 annual fee (with zero joining fee), this card is priced for the casual to moderate spender. It lacks the reward points structure, airport lounge access, and travel benefits of more versatile Kotak cards. The card is best suited for someone who watches movies at PVR INOX at least 2-3 times a month and wants to offset that cost through their regular card spending. Rent payments, wallet funding, and online gaming spends are excluded from the ticket milestone calculation.

Pros

↑Uncapped free movie tickets: earn 1 PVR INOX ticket (worth ₹300) for every ₹10,000 spent in a billing cycle, with no monthly limit on how many you can earn
↑20% flat discount on food and beverages at PVR INOX cinemas and app, which is significant given cinema F&B markup
↑Zero joining fee and complimentary PVR INOX in-cinema lounge access, making the card essentially free to start using

Cons

↓Benefits are entirely PVR INOX-centric, providing no cashback, reward points, or benefits for non-cinema spending categories
↓No airport lounge access, fuel surcharge waiver, or travel benefits, making it a poor standalone card for general use
↓Annual fee of ₹499 has no published waiver condition, so you pay regardless of spending level

Key Highlights

Welcome Offer
1 free movie ticket per ₹10K spend
1 PVR INOX ticket per ₹10,000 monthly spend
Each ticket worth ₹300
No cap on monthly ticket count
Claim via Kotak Mobile App

Reward Rate
21-60 years, Indian resident
Primary cardholder: 21 to 60 years
Add-on cardholder: 18 years and above
Must be a resident of India
Income proof required

Minimum Salary
₹0 joining fee
Zero joining fee
No conditions for joining fee waiver
Card is free to start using

Joining Fee
₹499 annual fee (no waiver)
Annual fee: ₹499 from 2nd year
No published spend-based waiver condition
GST applicable on fees and charges

Annual Fee
PVR INOX movie tickets and discounts
Free tickets on spend milestones
5% off movie tickets
20% off food and beverages
Free in-cinema lounge access

Why Choose?
In-cinema lounge access included
Complimentary entry to PVR INOX premium lounges
Available at participating PVR INOX theaters
Purchases inside lounge at cardholder's cost

Key Benefits

Dining

★3.5

▼

20% flat discount on food and beverages at PVR INOX cinemas
Discount applies at theaters, PVR app, and website
Limited to PVR INOX F&B only
No general restaurant discounts or dining programme

Fuel

★1.5

▼

No dedicated fuel surcharge waiver mentioned
Fuel spends count toward ticket milestones
No accelerated rewards on fuel
Standard charges apply on fuel transactions

Lifestyle

★4.0

▼

Complimentary PVR INOX in-cinema lounge access
No entry charge at premium lounges
M-Coupons valid for any format, theater, and seat category
60-day validity on claimed coupons
Contactless payments up to ₹5,000

Milestone

★4.0

▼

1 movie ticket per ₹10,000 spend milestone
₹20,000 spend = 2 tickets, ₹30,000 = 3, and so on
Tickets worth ₹300 each
Claim within 2 billing cycles of eligibility
Rent, wallet, and gaming spends excluded

Shopping

★2.0

▼

No cashback or reward points on general shopping
All spending counts toward movie ticket milestones
No accelerated rewards for online or offline retail
EMI conversion may be available on eligible purchases

Merchant Offers

▼

All benefits centered on PVR INOX cinemas
Free movie tickets via spend milestones
5% ticket discount and 20% F&B discount
In-cinema lounge access at participating locations

Travel

★1.5

▼

No airport lounge access included
No travel reward points or miles
3.5% foreign currency markup on international transactions
No travel insurance or concierge services

Emi

▼

EMI conversion may be available on eligible purchases
Contact Kotak Mahindra Bank for EMI options
Standard finance charges apply

Detailed Information

Joining Fee	₹0 (zero joining fee)
Annual Fee	₹499 from 2nd year
Annual Fee Waiver	No published waiver condition
Monthly Percentage Rate	3.49%
Annual Percentage Rate	41.88%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	₹100 to ₹1,300 based on outstanding amount
Overlimit Charges	2.5% of overlimit amount
Cash Advance Fee	2.5% of amount (min ₹500)
Card Replacement Fee	₹100 to ₹200

Age Requirement Salaried	21-60 years
Age Requirement Self Employed	21-60 years
Minimum Annual Income Salaried	Not specified (bank discretion)
Minimum Annual Income Self Employed	Not specified (bank discretion)
Minimum Credit Score	700+ (indicative)

Identity Proof	PAN Card (mandatory) Passport Driving License Voter ID Aadhaar Card
Address Proof	Passport Driving License Voter ID Aadhaar Card Utility bill (recent)
Income Proof Salaried	Latest payslip Bank statement Form 16 IT return copy
Income Proof Self Employed	IT return copy Bank statement Business proof

Frequently Asked Questions

The joining fee is zero. You can start using the card without paying any upfront fee. The annual fee of ₹499 applies from the second year onward.

The annual fee is ₹499, charged from the second year. Kotak's product page does not list a spend-based waiver condition for this fee. GST is charged on top of all fees.

Spend ₹10,000 in a monthly billing cycle to earn 1 free PVR INOX movie ticket worth ₹300. Spend ₹20,000 for 2 tickets, ₹30,000 for 3, and so on. There is no monthly cap on the number of tickets you can earn.

Rent payments, wallet funding, and online skill-based gaming transactions do not count toward the ₹10,000 spend milestones. All other card purchases are eligible.

Log into the Kotak Mobile Banking App, go to the Credit Card overview section, select the PVR INOX card, and tap on PVR INOX Coupon Claim. You will receive M-Coupons that can be used to book tickets on the PVR app or website.

M-Coupons are valid for 60 days from the date you claim them. You must claim them within 2 billing cycles of the eligible month. Unclaimed coupons expire after this window.

Yes. M-Coupons work for any movie format (2D, 3D, IMAX, 4DX), any PVR INOX theater, and any seat category. Each coupon covers up to ₹300; if the ticket costs more, you pay the difference.

You get a flat 5% discount on movie ticket purchases at any PVR INOX theater or through the PVR INOX app and website. This discount is separate from the free ticket benefit and applies every time you buy a ticket.

You get a flat 20% discount on all food and beverages at PVR INOX cinemas and through the PVR INOX app. This applies at the theater counter as well as online orders.

Yes. You get complimentary access to PVR INOX in-cinema premium lounges at participating theaters. Entry is free, but any food, drinks, or purchases inside the lounge are at your own cost.

No. This card does not include airport lounge access. The lounge benefit is limited to PVR INOX in-cinema premium lounges. If you need airport lounge access, consider a different Kotak card.

The finance charge is 3.49% per month, which translates to 41.88% per annum. This applies to any unpaid balance carried beyond the due date. Paying the full statement balance each month avoids interest charges entirely.

Late payment fees range from ₹100 to ₹1,300 depending on your outstanding balance. The exact slab depends on the total amount due. Paying at least the minimum amount by the due date avoids the late fee.

Cash advances attract a fee of 2.5% of the withdrawn amount, with a minimum of ₹500. Interest begins from the withdrawal date with no interest-free period. Cash advance transactions do not count toward movie ticket milestones.

International transactions carry a 3.5% foreign currency markup. This card is not suited for international spending. If you travel frequently, a card with a lower forex markup would be a better fit.

The primary cardholder must be between 21 and 60 years old and a resident of India. Add-on cardholders must be 18 years or older. Kotak does not publicly specify a minimum income requirement for this card.

You need a PAN card (mandatory), identity proof (Aadhaar, passport, or voter ID), address proof, and income documentation. Salaried applicants need a recent payslip or Form 16. Self-employed applicants need IT returns and business proof.

Apply through the Kotak Mahindra Bank website, the Kotak Mobile Banking App, or by visiting a Kotak branch. Existing Kotak customers may find pre-approved offers in their net banking or mobile app.

Yes. Add-on cards can be issued for family members aged 18 and above. Spending on add-on cards counts toward the primary card's movie ticket milestones. Contact Kotak Mahindra Bank for add-on card issuance.

Yes. The card supports tap-and-pay contactless transactions up to ₹5,000 without entering a PIN. For amounts above ₹5,000, PIN verification is required.

No. The PVR INOX Kotak Credit Card does not earn general reward points. The primary benefit is free movie tickets based on spending milestones, along with ticket and F&B discounts at PVR INOX.

Kotak's product page for this card does not mention a fuel surcharge waiver. If fuel surcharge savings are important, consider a Kotak card with an explicit fuel benefit like the IndianOil Kotak Credit Card.

Each M-Coupon covers up to ₹300. If the ticket price exceeds ₹300, you pay the difference using your PVR INOX Kotak Credit Card. Taxes, booking fees, and convenience charges are also borne by the cardholder.

Yes. Both the 5% ticket discount and 20% F&B discount work at physical PVR INOX theater counters as well as through the PVR INOX app and website. You need to pay using your PVR INOX Kotak Credit Card to avail the discounts.

Probably not. All the primary benefits are tied to PVR INOX cinemas. Without regular movie visits (at least 2-3 per month), the ₹499 annual fee offers limited value. A general cashback or reward points card would serve better for infrequent moviegoers.

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Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

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