PVR Kotak Platinum Credit Card

Overview

The PVR Kotak Platinum Credit Card is a co-branded entertainment card from Kotak Mahindra Bank and PVR INOX, built for people who watch movies at PVR cinemas regularly. Its headline benefit is 2 free PVR INOX movie tickets every month when you spend ₹10,000 or more in the previous statement cycle. Each ticket covers up to ₹400, so the monthly movie value tops out at ₹800 for consistent spenders.Beyond free tickets, the card gives 15% cashback on food and beverages at PVR INOX outlets and 5% cashback on movie tickets purchased at the box office. For someone who buys popcorn and drinks every visit, the F&B cashback adds noticeable savings over time. The card runs on the Visa network with PayWave contactless, so tap-and-go payments work at PVR counters and everywhere else.The ₹999 annual fee has no waiver condition, meaning you pay it every year regardless of spending. There is no joining fee for the first year, which lets you try the card risk-free for 12 months. Add-on cards cost ₹299 each. The interest rate is 3.75% per month (45% p.a.), and foreign currency transactions attract a 3.5% markup. Cash advance fees start at ₹500 or 2.5% of the amount.This card has no airport lounge access, fuel surcharge waivers, general reward points, or travel benefits. It is a single-purpose entertainment card. If you watch 2 or more movies per month at PVR INOX and spend at least ₹10,000 monthly, the free tickets alone more than cover the annual fee. For anyone with different spending habits or who prefers multiplexes other than PVR, a general-purpose cashback or rewards card would deliver better value.

Pros

↑2 free PVR INOX movie tickets every month on ₹10,000 spend gives up to ₹800 in entertainment value monthly, making the ₹999 annual fee easy to justify for regular moviegoers
↑15% cashback on food and beverages at PVR outlets adds meaningful savings for those who regularly buy concession items during movie visits
↑Nil joining fee means you can try the card for a full year at zero cost before the ₹999 annual fee kicks in from the second year

Cons

↓No airport lounge access, fuel surcharge waiver, or travel benefits limits the card to a single merchant use case, making it poor for general spending needs
↓₹999 annual fee has no waiver condition based on spending, so you pay it every year even if your PVR visits drop
↓₹10,000 monthly spend threshold excludes utility, education, wallet load, rent, and gaming transactions, narrowing the qualifying spend categories significantly

Key Highlights

Welcome Offer
2 free PVR tickets monthly on ₹10K spend
2 free PVR INOX tickets per month
Requires ₹10,000 spend in previous cycle
Each ticket covers up to ₹400
Valid on 2D, 3D, and IMAX formats

Reward Rate
15% cashback on PVR food and beverages
15% cashback on F&B at PVR INOX
Up to ₹150 per transaction
5% cashback on box office tickets
Up to ₹100 per ticket transaction

Minimum Salary
Salaried or self-employed, Indian resident
Salaried or self-employed individuals
Indian residents
Income and age per bank norms
Credit score 700+ preferred

Joining Fee
Nil (first year free)
No joining fee charged
First year completely free
₹999 annual fee from second year
No fee waiver condition available

Annual Fee
₹999 (no waiver condition)
Annual fee: ₹999 from year 2
No spending-based waiver available
Fee charged regardless of spend level
Add-on card fee: ₹299

Why Choose?
Free tickets, F&B cashback, ticket discounts at PVR
2 free tickets worth up to ₹800/month
15% cashback on PVR food and drinks
5% cashback on PVR movie tickets
No general rewards or lounge access

Key Benefits

Dining

★2.5

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15% cashback on food and beverages at PVR INOX outlets
Maximum cashback of ₹150 per transaction
No dining benefits outside PVR INOX
No general restaurant discount programme

Lifestyle

★4.0

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2 free PVR INOX movie tickets every month on ₹10,000 spend
Each ticket covers up to ₹400 (total ₹800/month)
Valid on 2D, 3D, and IMAX formats
5% cashback on PVR box office ticket purchases
Single merchant entertainment focus with no general lifestyle perks

Merchant Offers

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PVR INOX exclusive co-brand partnership
2 free tickets, F&B cashback, and ticket discounts
All benefits restricted to PVR INOX locations
No other merchant partnerships included

Emi

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EMI conversion available on eligible purchases
Finance charge: 3.75% per month (45% p.a.)
Contact Kotak Mahindra Bank for conversion

Detailed Information

Joining Fee	No joining fee (first year free)
Annual Fee	₹999 from second year
Annual Fee Waiver	No waiver condition available
Monthly Percentage Rate	3.75%
Annual Percentage Rate	45%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	Nil (<₹100); ₹100 (₹100-₹500); ₹500 (₹501-₹5,000); ₹600 (₹5,001-₹10,000); ₹800 (₹10,001-₹25,000); ₹1,000 (₹25,001-₹50,000); ₹1,200 (>₹50,000)
Overlimit Charges	₹500
Cash Advance Fee	2.5% or ₹500, whichever is higher
Card Replacement Fee	₹100
Fee For Duplicate Statement	Not specified
Fee For Cheque Bounce	2% of payment amount (min ₹500)

Age Requirement Salaried	As per bank norms
Age Requirement Self Employed	As per bank norms
Minimum Annual Income Salaried	Not publicly specified
Minimum Annual Income Self Employed	Not publicly specified
Minimum Credit Score	700+ (indicative)

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Driving License Voter ID
Address Proof	Aadhaar Card Passport Driving License Voter ID Utility bill (recent)
Income Proof Salaried	Latest 3 months payslips Bank statement (3 months) Form 16 IT return copy
Income Proof Self Employed	IT return (2 years) Bank statement (6 months) Business registration proof

Frequently Asked Questions

The joining fee is nil for the first year. From the second year onward, you pay the annual fee of ₹999. There are no special joining offers or channel-based waivers for this card.

The annual fee is ₹999 from the second year. There is no spending-based waiver condition, so the fee applies every year regardless of how much you spend on the card.

Spend ₹10,000 or more in a statement cycle, and you get 2 free PVR INOX movie tickets in the following month. Each ticket covers up to ₹400 in value. Utility, education, wallet load, rent, and online gaming transactions do not count toward the ₹10,000 threshold.

The free tickets are valid for any format at PVR INOX cinemas including 2D, 3D, and IMAX screenings. Each ticket covers a maximum value of ₹400, so if the movie ticket costs more than ₹400, you pay the difference.

You get 15% cashback on food and beverages purchased at PVR INOX outlets, up to ₹150 per transaction. This applies to popcorn, snacks, drinks, and meals at PVR counters and helps reduce the cost of concessions during your movie visits.

You earn 5% cashback on movie tickets purchased at PVR INOX box office counters, up to ₹100 per transaction. This is a separate benefit from the 2 free monthly tickets and applies each time you buy tickets at the counter.

No. The PVR Kotak Platinum Credit Card does not include any airport lounge access, domestic or international. If lounge access matters to you, consider a different Kotak card such as the Privy League Signature or Kotak White.

No. The PVR Kotak Platinum does not provide a fuel surcharge waiver. If you spend frequently at fuel stations, a card like the IndianOil Kotak Credit Card would be more suitable for that category.

The finance charge is 3.75% per month, which translates to 45% per annum. This rate applies to any unpaid balance carried past the payment due date. Paying your full statement balance by the due date avoids all interest charges.

International transactions attract a 3.5% foreign currency markup. This makes the card expensive for overseas purchases or online transactions in foreign currencies. A card with lower forex markup would be better for international spending.

Cash advances cost 2.5% of the withdrawn amount or ₹500, whichever is higher. Interest at 3.75% per month starts from the day of withdrawal with no interest-free period. Cash advances do not earn any PVR benefits.

Late payment fees are tiered by outstanding amount: nil for dues under ₹100, ₹100 for ₹100 to ₹500, ₹500 for ₹501 to ₹5,000, ₹600 for ₹5,001 to ₹10,000, ₹800 for ₹10,001 to ₹25,000, ₹1,000 for ₹25,001 to ₹50,000, and ₹1,200 for amounts above ₹50,000.

Yes. Add-on cards are available at ₹299 each. Family members using add-on cards also get access to the PVR benefits. Spending on add-on cards counts toward the primary card's ₹10,000 monthly threshold for free tickets.

Utility payments, education payments, wallet loads, rent payments, and online skill-based gaming transactions are excluded from the ₹10,000 spend threshold. Only retail purchases and other eligible transactions count toward earning the free PVR tickets.

Both salaried and self-employed individuals can apply. Kotak Mahindra Bank does not publicly disclose specific age or income requirements for this card. Approval depends on the bank's internal assessment of your credit profile and income documentation.

You need identity proof (PAN card, Aadhaar, passport, or driving license), address proof (Aadhaar, passport, utility bill, or voter ID), and income proof. Salaried applicants provide payslips or Form 16. Self-employed applicants need IT returns and business registration documents.

The card is issued on the Visa network with PayWave contactless payment support. Tap-and-go payments work at all Visa contactless terminals in India and internationally. The card is not available on Mastercard or RuPay.

Yes. From June 2025, Kotak charges 1% on all rent payments, 1% on fuel spends above ₹25,000 per cycle, 1% on utility spends above ₹35,000 per cycle, 1% on wallet loads above ₹10,000 per cycle, and 1% on education payments via third-party apps like PhonePe and Cred.

The over-limit charge is ₹500 if your spending exceeds your credit limit. GST applies on top. Keeping your usage within 70% to 80% of the credit limit helps avoid this charge and maintains a healthy credit utilization ratio.

As of February 2026, the card is listed as discontinued for new applications on the Kotak Mahindra Bank website. Existing cardholders can continue using their cards and earning PVR benefits. The PVR INOX Credit Card from Kotak may be available as an alternative.

Both cards belong to the PVR Kotak co-branded family. The Platinum tier has a higher annual fee (₹999 vs lower for Gold) and typically provides better ticket values or higher cashback rates. Check the Kotak website for the current PVR Gold card terms and availability.

Replacing a lost or damaged PVR Kotak Platinum Credit Card costs ₹100. Contact Kotak Mahindra Bank customer care at 1860 266 2666 or the toll-free number 1800 102 6022 to request a replacement card.

If a payment cheque towards your credit card bill bounces, Kotak charges 2% of the bounced amount with a minimum of ₹500. The auto-debit return or standing instruction failure fee is 2% of the amount, minimum ₹450 and maximum ₹5,000.

No. The PVR Kotak Platinum Credit Card does not include a general reward points programme. Instead, it focuses entirely on PVR INOX benefits: free movie tickets, F&B cashback, and ticket discounts. There are no reward points to earn, track, or redeem.

The minimum amount due is typically 5% of the total outstanding balance or ₹200, whichever is higher. Paying only the minimum avoids late payment fees but triggers interest charges of 3.75% per month on the remaining balance. Always pay the full statement amount to avoid interest.

Overview

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Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

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