PVR INOX Kotak Credit Card
Kotak Mahindra Bank
A narrow, movie-focused niche card — strong if PVR INOX is a genuine regular habit, weak otherwise.
Free
Joining fee
₹499
Annual fee
3.5%
Forex markup
3.8 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–60
Add-on cardholder 18+ (official); aggregator states primary age 18-65 — minor discrepancy in age band.
Indian resident
Sources disagree: Primary cardholder age discrepancy: 21-60 (official) vs 18-65 (aggregator).
Lounge access
0 railway visits per year
Cinema Lounge: Unlimited complimentary access to PVR INOX in-cinema premium lounges (both sources agree); cardholder still pays for purchases made inside the lounge. This is NOT an airport or railway lounge benefit — a genuinely distinct benefit type.
Key features
- 1 free movie ticket per ₹10,000 spent
- 20% off F&B at PVR INOX
- 5% off movie tickets
Reward details
The card offers no cashback or rewards on any non-PVR/INOX spending categories (aggregator-sourced)
- Rs 10,000 spent in a monthly billing cycle: 1 PVR INOX movie ticket (M-Coupon), no cap per aggregator, each coupon capped at Rs 300 value, valid 60 days from claim, redeemable within 2 monthly billing cycles of eligibility
Redemption
Claim via Kotak Mobile App/Net Banking; tickets booked via PVR App/website.
Excluded from rewards: rent payments, wallet funding, online skill-based gaming (do not count toward the spend threshold)
- 20% discount on food and beverages at PVR cinemas, every time; 5% discount on movie tickets, every time.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Unlimited free movie tickets as milestone benefits and strong savings potential for frequent PVR visitors — aggregator estimates roughly Rs 8,801 net annual savings at Rs 12,000/month spend — Paisabazaar
Complaints
- No rewards or benefits on spending outside PVR INOX; no annual fee waiver option, limiting appeal beyond dedicated cinema-goers — Paisabazaar
Sources
- Official — fees, eligibility, cinema lounge, rewards, exclusions
- Aggregator — fees, eligibility, sentiment