In-depth review
PVR INOX Kotak Credit Card
A single-purpose entertainment card for frequent movie-goers — one free PVR INOX ticket (worth up to ₹300) per ₹10,000 band of monthly spend, uncapped, plus 5% off tickets, 20% off food and beverages, and in-cinema lounge access. What it does not give is base reward points — Kotak publishes no earn rate for it — while the ₹499 renewal fee has no spend waiver, booking fees and taxes stay payable on a 'free' ticket, and rent/wallet/gaming spends do not count. Hold it for the movies, and pair it with a rewards card for everything else.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
0% on Other
Kotak publishes no base earn rate for this card anywhere — its value is the milestone movie tickets and the PVR INOX ticket and F&B discounts, not an earn rate
Movie Ticket Benefit
Flat 5% off PVR INOX movie tickets, 20% off food & beverages at PVR INOX, and complimentary in-cinema lounge access
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- 1 PVR INOX movie ticket (M Coupon, worth up to ₹300) per ₹10,000 band of monthly billed spend, starting above ₹10,000 — uncapped. Claim within 2 billing cycles, then valid 60 days from claim. Booking fees and taxes stay payable. Rent, wallet and gaming excluded
The regular PVR INOX cinema-goer who will run more than ₹10,000 a month through the card to collect free tickets and use the F&B and ticket discounts. If you watch films rarely, or want a card that also earns on everyday spends, almost any flat-rewards card returns more.
Full reward structure
What you earn on every rupee, per spend category — as of 5 Aug 2026. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 0% | — |
Other: Kotak publishes no base earn rate for this card anywhere — its value is the milestone movie tickets and the PVR INOX ticket and F&B discounts, not an earn rate
Earns nothing on: Rent · Wallet Loads · Online Gaming
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 5 Aug 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹589 |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹3,300/yr in total.
Flat 5% off PVR INOX movie tickets, 20% off food & beverages at PVR INOX, and complimentary in-cinema lounge access
1 PVR INOX movie ticket (M Coupon, worth up to ₹300) per ₹10,000 band of monthly billed spend, starting above ₹10,000 — uncapped. Claim within 2 billing cycles, then valid 60 days from claim. Booking fees and taxes stay payable. Rent, wallet and gaming excluded
Should you get it?
- Best for: Frequent PVR INOX cinema-goers, Households that watch movies often
- Entry tier — great for first-time and lower-spend users.
Pros & cons
✓ Pros
- Uncapped free movie tickets — one per ₹10,000 band of monthly spend
- 5% off tickets and 20% off food & beverages at PVR INOX
- No joining fee, and complimentary in-cinema lounge access
✕ Cons
- Kotak publishes no base earn rate — treat everyday spend as earning nothing beyond milestone progress
- ₹499 annual fee at renewal, with no spend-based waiver
- Each M Coupon caps at ₹300 and covers the ticket only — booking fees and taxes stay payable
- Exactly ₹10,000 in a cycle earns nothing; Kotak's slab table starts at ₹10,001
- A coupon must be claimed within two billing cycles or the entitlement lapses unused
- Rent, wallet loads and online gaming do not count toward the ticket milestone
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Claim M Coupons within two billing cycles via Kotak net-banking or the app, then redeem within 60 days at PVR INOX — booking or convenience fees and taxes are paid separately on your card
- 🎁Ticket and food-and-beverage discounts applied at PVR INOX at time of purchase
What your Kotak Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
Kotak publishes no base earn rate for everyday spend, the ₹499 renewal fee has no spend waiver, each M Coupon caps at ₹300 with booking fees and taxes still payable, and rent/wallet/gaming spends do not count toward the ticket milestone — so the card only pays off for genuinely frequent PVR INOX visitors.
Frequently asked questions
What does the PVR INOX Kotak Credit Card cost?
How does the free-movie-ticket benefit work?
Does it earn reward points on regular spends?
What discounts does it give at PVR INOX?
Which spends do not count toward the ticket milestone?
Which payment network does this card run on?
How has the PVR INOX Kotak Credit Card changed over time?
The bottom line
A likeable niche card if PVR INOX is your cinema. Uncapped free tickets (one per ₹10,000 band of monthly spend), 5% off tickets, 20% off food and in-cinema lounge access are real, tangible perks for a frequent movie-goer. But Kotak publishes no base earn rate, the ₹499 renewal fee has no spend waiver, the ticket value caps at ₹300 and the booking fee and taxes stay with you — so its worth rests entirely on how often you go to the movies. Pair it with a flat-cashback card for everything else.
How this page was built
Counted from this card’s own record: 1 earn rule, the spends listed as earning nothing and 2 recorded perks.
Last updated 5 Aug 2026.
Sources & verification
Fees, reward rates, and benefits for the PVR INOX Kotak Credit Card are taken from Kotak Mahindra Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 5 Aug 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Kotak Mahindra Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · last change Aug 2025
2025
- ◆ LaunchEffective 5 Aug 2025
PVR INOX Kotak Credit Card relaunched
One PVR INOX movie ticket (M Coupon, up to ₹300) per ₹10,000 band of monthly spend; ₹0 joining / ₹499 annual
Kotak Mahindra Bank and PVR INOX relaunched their co-branded cinema card in August 2025. Kotak published no release of its own, so the 5 August date comes from trade press rather than the bank; Kotak also never describes the card as succeeding the older PVR Kotak Gold, though that card and the PVR Platinum both sit on its discontinued list. The single-purpose entertainment card gives one PVR INOX movie ticket (an "M Coupon" worth up to ₹300) per ₹10,000 band of spend in a monthly billing cycle, uncapped — the slab table starts above ₹10,000 — plus 5% off tickets, 20% off food and beverages and in-cinema lounge access; Kotak publishes no base earn rate for it. Rent, wallet loads and online gaming do not count toward the ticket milestone. Because it launched after the 1 June 2025 Kotak revision, those milestone exclusions and the post-revision fee/finance-charge terms are baseline for this card, not later changes.
Verification: CardAdvisor Research · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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