PVR Kotak Gold Credit Card

Overview

The PVR Kotak Gold Credit Card is a co-branded entertainment card from Kotak Mahindra Bank, aimed at PVR cinema regulars. With no joining fee and an annual charge of just ₹499, it punches well above its price with monthly free movie tickets and PVR food discounts. The annual fee disappears entirely once you cross ₹50,000 in yearly retail spending. For anyone whose weekend plans regularly include a PVR visit, this card turns that habit into real savings.The headline benefit is straightforward: spend ₹10,000 in a billing cycle and claim 1 free PVR movie ticket; spend ₹15,000 and get 2. Each ticket is worth up to ₹400, which means dedicated spenders can pocket up to 24 free tickets a year, a value of ₹9,600. PVR coupons stay valid for 2 months and work across all regular screenings, though Director's Cut, IMAX, Gold Class, and Europa formats are excluded. On top of tickets, the card gives you 15% cashback on food and beverages at PVR, which adds up quickly given cinema snack pricing.Beyond PVR perks, the card earns 8 reward points for every ₹150 spent across all categories. New cardholders receive 500 bonus reward points on activation. A milestone offer kicks in at ₹1,50,000 annual spend: 4 additional PVR tickets plus 3X reward points on future purchases. The standard 1% fuel surcharge waiver covers transactions between ₹500 and ₹3,000 at all fuel stations. Add-on cards are available for family members at ₹299 each, carrying all primary card benefits.This card is purpose-built for PVR movie lovers and falls short outside that niche. There is no airport lounge access, no travel insurance, and the 3.5% foreign currency markup makes it unsuitable for international spending. Reward points, while decent at 8 per ₹150, trail behind competing cards in the same fee bracket for general everyday spending. If you watch at least 2 movies a month at PVR, the free tickets alone justify the card. If PVR is not part of your routine, a general rewards card will serve you better.

Pros

↑Up to 24 free PVR movie tickets per year (worth ₹9,600) on ₹15,000 monthly spend
↑15% cashback on food and beverages at PVR cinemas, stacking nicely with free tickets
↑No joining fee and ₹499 annual fee waived on just ₹50,000 yearly spend

Cons

↓No airport lounge access or travel benefits despite the ₹499 annual fee
↓Movie ticket benefit limited to PVR cinemas only, excluding Director's Cut, IMAX, and Gold Class
↓3.5% foreign currency markup makes international transactions expensive

Key Highlights

Reward Rate
8 pts/₹150 spent
8 reward points per ₹150 on all categories
500 bonus points on card activation
3X reward points after ₹1.5L annual milestone

Minimum Salary
21-65 years, good credit score
Age: 21-65 years for primary cardholder
Add-on: 18+ years
Good credit score and steady income required
Available in select cities

Joining Fee
Nil
Joining fee: Nil

Annual Fee
₹499 (Waived on ₹50K spend)
Annual fee: ₹499
Waived on ₹50,000 annual retail spend
Plus 18% GST

Why Choose?
2 free PVR tickets/month + 15% F&B cashback
1 PVR ticket on ₹10K monthly spend
2 PVR tickets on ₹15K monthly spend
Each ticket worth up to ₹400
15% cashback on PVR food & beverages

Key Benefits

Fuel

★3.0

▼

1% fuel surcharge waiver on ₹500 to ₹3,000 transactions
Available at all fuel stations across India
Standard waiver with no special cap mentioned

Lifestyle

★4.5

▼

Up to 2 free PVR movie tickets per month (24 per year)
Each ticket worth up to ₹400 (₹9,600 annual value)
15% cashback on food and beverages at PVR
Coupon codes valid for 2 months
Excludes Director's Cut, IMAX, Gold Class, Europa

Milestone

★3.5

▼

Spend ₹1,50,000 in an anniversary year
Earn 4 additional PVR movie tickets
Unlock 3X reward points on subsequent purchases

Reward Points

★3.5

▼

8 reward points per ₹150 spent on all categories
500 bonus points on card activation
3X reward points after ₹1.5L annual milestone
Points redeemable for vouchers, merchandise, or statement credit

Merchant Offers

▼

PVR co-branded partnership with exclusive benefits
Free movie tickets and 15% F&B cashback at PVR
Coupon-based redemption via Kotak portal

Emi

▼

Convert large purchases to EMIs through Kotak mobile app
Multiple tenure options available
Finance charges apply on converted EMIs

Detailed Information

Joining Fee	No joining fee
Annual Fee	₹499
Annual Fee Waiver	Waived on ₹50,000 annual retail spend
Monthly Percentage Rate	3.50%
Annual Percentage Rate	42%
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
Overlimit Charges	2.5% of overlimit amount
Cash Advance Fee	2.5% of amount (min ₹500)
Fee For Supplementary Card	₹299 per add-on card
Card Replacement Fee	₹100 to ₹200
Fee For Duplicate Statement	₹50 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-65 years
Age Requirement Self Employed	21-65 years
Minimum Annual Income Salaried	Not publicly disclosed
Minimum Annual Income Self Employed	Not publicly disclosed
Minimum Credit Score	Good credit score required

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents

Frequently Asked Questions

The annual fee is ₹499. It gets waived when you spend ₹50,000 or more in the previous anniversary year on retail purchases. GST of 18% applies on top of the fee amount.

No, there is no joining fee for this card. You only start paying the ₹499 annual fee from the second year, and that too can be waived through spending.

Spend ₹10,000 in a billing cycle to earn 1 free PVR movie ticket. Spend ₹15,000 or more in the same cycle and you get 2 free tickets. You can earn a maximum of 2 tickets per month, totalling up to 24 per year.

Each complimentary PVR movie ticket is worth up to ₹400. You receive coupon codes that can be redeemed on the PVR website for any regular screening within the ticket's validity window.

No, the complimentary PVR tickets cannot be used for Director's Cut, PVR IMAX, Gold Class, or Europa screenings. They are valid only for regular show formats at PVR cinemas.

Each PVR coupon code stays valid for 2 months from the date it is issued. You can book any regular screening on the PVR website within that window.

You get 15% cashback on all food and beverage purchases made at PVR cinemas using this credit card. This covers snacks, drinks, and meals bought at PVR counters during your movie visit.

The card earns 8 reward points for every ₹150 spent across all purchase categories. This works out to roughly 5.3 points per ₹100 spent on any transaction.

You receive 500 bonus reward points when your card gets activated. This welcome benefit is credited automatically and does not require a minimum spend threshold to claim.

Spend ₹1,50,000 in an anniversary year and you earn 4 additional PVR movie tickets plus 3X reward points on your subsequent purchases for the rest of that year.

Yes, a 1% fuel surcharge waiver applies on transactions between ₹500 and ₹3,000 at any fuel station across India. This saves you a small but consistent amount on regular fuel fills.

No, this card does not include any domestic or international airport lounge access. If you need lounge access, consider a higher-tier Kotak card like the Zen Signature or Royale Signature.

A 3.5% markup applies on all transactions made in foreign currencies. This makes the card less suitable for international purchases or overseas travel compared to forex-friendly cards.

The monthly interest rate is 3.50%, which equals an annual percentage rate of 42%. This applies to any outstanding balance carried past the payment due date.

The minimum amount due is 5% of the total outstanding balance or ₹200, whichever is higher. Paying only the minimum triggers interest charges on the remaining balance from the transaction date.

Late payment fees range from ₹100 to ₹1,300 depending on your outstanding balance. Paying on time each month avoids these charges and protects your credit score.

Cash advances carry a fee of 2.5% of the withdrawn amount with a minimum charge of ₹500. Interest starts accruing from the withdrawal date with no interest-free period on cash advances.

Yes, add-on cards are available at ₹299 per card. Each add-on card carries all the benefits of the primary card. The add-on cardholder must be at least 18 years old.

An overlimit fee of 2.5% applies on the amount exceeding your assigned credit limit. Keeping your spending within the credit limit avoids this charge entirely.

The primary cardholder must be between 21 and 65 years old with a good credit score and steady income source. The card was available in select cities including Mumbai, Delhi, Bangalore, Chennai, Hyderabad, Pune, Kolkata, and Ahmedabad.

You need a PAN card (mandatory), Aadhaar or passport for identity and address proof, and income proof such as salary slips or bank statements for salaried applicants, or ITR for self-employed applicants.

After meeting the monthly spending threshold, coupon codes are generated and can be claimed through the Kotak credit card portal or the Kotak mobile app. Check the PVR coupon claim section in your card dashboard.

Yes, the ₹499 annual fee gets waived each year when you spend ₹50,000 or more in the previous anniversary year on retail purchases. Consistent spending above this threshold keeps the card effectively free.

The PVR INOX Kotak Credit Card is the newer version that replaced this card and covers both PVR and INOX cinemas for free ticket benefits. It gives cardholders a wider choice of cinemas. Check the Kotak website for the latest terms.

Yes, you can view statements, track spending, set alerts, convert purchases to EMIs, and claim PVR coupons through the Kotak mobile banking app. Card controls like temporary blocking are also available in the app.

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

Related Products

Pros

Cons