The PVR INOX Kotak Credit Card is a single purpose movie card. It charges no joining fee and a Rs 499 annual fee from the second year, with no spend based waiver listed. In return, every Rs 10,000 you spend in a monthly billing cycle earns one free PVR INOX movie ticket worth up to Rs 300, and there is no cap on how many tickets you can earn. Paid bookings also get 5 percent off tickets and 20 percent off food and beverages at PVR INOX theatres, the PVR INOX app and the PVR INOX website.
Outside the cinema, the card is deliberately plain. It pays no reward points or cashback on general shopping, dining, travel, bills or fuel, and those spends only help you reach the next free ticket milestone. Rent, wallet loads and online skill gaming spends do not count towards the ticket milestone. It works best as a second card for a household that watches films at PVR INOX most months, alongside a separate card for everyday rewards.
Annual Fee (+ 18% GST)₹499 (₹589 incl. GST)
Fee WaiverNo spend based annual fee waiver is listed for this card. The Rs 499 annual fee applies from the second year.
Joining PerkNo joining fee. Kotak's offers section lists a PVR voucher worth Rs 400 on card approval through the PVR app, valid till 31 December 2026. There is no other welcome gift on the official card listing.
Primary RewardOne free PVR INOX movie ticket worth up to Rs 300 for every Rs 10,000 spent in a monthly billing cycle, with no cap on the number of tickets. Plus 5 percent instant discount on PVR INOX movie tickets and 20 percent instant discount on food and beverages at PVR INOX.
Airport Lounge AccessNo airport lounge access. Card benefits include complimentary access to premium PVR INOX in-cinema lounges. Cinema lounge access is not the same as airport lounge access.
Forex Markup3.5% plus GST on foreign currency transactions, as per the Kotak Key Fact Statement figures reported for this card. This figure is not displayed on the official listing page, so confirm it in the Key Fact Statement before applying.
RuPay UPINo
Best ForFrequent PVR INOX moviegoers who already spend at least Rs 10,000 a month and will use the free tickets and cinema food discounts every month.
What We Like
Unlimited free PVR INOX tickets, one worth up to Rs 300 for every Rs 10,000 spent in a billing cycle
20 percent instant discount on food and beverages and 5 percent instant discount on tickets at PVR INOX
No joining fee and a low Rs 499 annual fee
Simple benefit structure with no reward points to track or redeem
Watch Out
No reward points or cashback on any non cinema spending
No spend based annual fee waiver and no airport lounge access
All meaningful value sits inside PVR INOX, so it is poor value if you watch films elsewhere or rarely
MITC & Hidden Charges
Joining fee Nil and annual fee Rs 499 plus GST, both confirmed on the official Kotak listing page. No annual fee waiver condition is listed. Finance charges are reported in the Kotak Key Fact Statement summaries for this card at 3.75 percent per month, which is 45 percent per year, and foreign currency markup at 3.5 percent plus GST. Late payment, cash advance and add-on card charges apply as per the Kotak MITC for this card. I could not open a standalone issuer hosted MITC or Key Fact Statement PDF for this card in this session, so the finance charge and forex figures should be rechecked on the Key Fact Statement before publication.
Last verified against MITC: 21 October 2026
Kotak PVR INOX Credit Card FAQs
How do I earn free movie tickets on the PVR INOX Kotak Credit Card?
You earn one free PVR INOX movie ticket worth up to Rs 300 for every Rs 10,000 of eligible spend in a monthly billing cycle. There is no cap, so Rs 30,000 of eligible spend in a cycle earns three tickets. Rent, wallet load and online skill gaming spends do not count.
What is the fee on the PVR INOX Kotak Credit Card?
The joining fee is Nil and the annual fee is Rs 499 plus GST from the second year, as shown on the official Kotak credit card listing. No spend based waiver is listed for this card.
Does this card give airport lounge access or rewards on other spends?
No. It gives no airport lounge access and no reward points or cashback on general spends. Its benefits are the free ticket milestone, 5 percent off PVR INOX tickets, 20 percent off food and beverages at PVR INOX, and access to premium PVR INOX in-cinema lounges.
Alternatives to Consider
Kotak League Platinum Credit Card
Kotak Mahindra Bank
PVR milestone rewards with an easy fee waiver level
72/100✓ MITC verified
Annual Fee₹499 + GST
RewardUp to 8 reward points for every ₹150 spent, with the official value chart showing 8 points on special categories and 4 points on remaining eligible spends up to the stated annual level
LoungeNo complimentary lounge access on this card, as stated in the official Kotak FAQ for this card