Kotak Mahindra Bank
PVR Inox
The PVR INOX Kotak Credit Card is a co-branded entertainment card issued by Kotak Mahindra Bank, tailored specifically for movie lovers who frequent PVR INOX theatres. With a Rs.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 7 June 2026.
At a Glance
Annual Fee
₹499
Joining Fee
Nil
Fee Waiver
N/A
Lounge Access
See details
Forex Markup
3.5%
Effective Yield
3% – 6%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The PVR INOX Kotak Credit Card is a co-branded entertainment card issued by Kotak Mahindra Bank, tailored specifically for movie lovers who frequent PVR INOX theatres. With a Rs. 0 joining fee and an annual fee of Rs. 499 starting from the second year, this card focuses on delivering high value within the cinema ecosystem. It provides immediate discounts on both movie tickets and in-theatre dining, making the cinema-going experience more affordable and rewarding.
The card's standout feature is its spend-based milestone program, which rewards cardholders with a free movie ticket worth Rs. 300 for every Rs. 10,000 spent within a billing cycle. Because there is no capping on these rewards, high spenders can earn unlimited free tickets. In addition to milestone tickets, cardholders receive flat discounts of 5% on PVR movie tickets and 20% on food and beverages at PVR INOX theatres or via their website/app, alongside complimentary access to premium in-cinema lounges.
This card is an ideal choice for movie buffs who can regularly route at least Rs. 10,000 of monthly spends through the card to unlock the milestone tickets. However, since the card offers no reward points or savings on transactions made outside of PVR INOX, and lacks an annual fee waiver option, it is best utilized as a secondary card specifically dedicated to entertainment expenses.
What We Like
We like the unlimited milestone benefit that grants a free movie ticket worth Rs. 300 for every Rs. 10,000 spent, without any annual capping. The flat 20% discount on food and beverages and 5% off on movie tickets also offer excellent instant savings. Additionally, the complimentary access to premium PVR INOX in-cinema lounges adds an exclusive touch of luxury to the user's movie experience.
Pros
- ✓Earn unlimited free movie tickets as milestone benefits
- ✓Enjoy a flat 20% discount on movie tickets at PVR
- ✓Receive complimentary access to premium PVR in-cinema lounges
- ✓Get a flat 5% off on food and beverages at PVR
Cons
- ✗No rewards or benefits are provided on spending categories other than PVR INOX
- ✗No option is available to get the annual fee waived
Get This Card If
- ✓You're a movie buff who frequently watches movies at PVR INOX cinemas
- ✓You can spend at least Rs. 10,000 per month to maximize milestone benefits
- ✓You are looking for a basic card with zero joining fee
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Cinema Spends (Tickets & F&B) | 5% Instant Discount | 5.00% | No Upper Cap |
| Food & Beverages (In-Cinema) | 20% Instant Discount | 20.00% | No Upper Cap |
| All Other Retail Spends | Milestone-linked Vouchers | 3.00% | Unlimited Milestones |
| Excluded Categories | No Milestone Progress | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0.1 Lakh | Free Movie Ticket | ₹300 E-Voucher | 1 Free M-Coupon for every ₹10,000 spent in a billing cycle. Unlimited capacity. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| PVR / INOX App & Web | ₹300.00 per voucher1 Ticket per voucher | Best Value (Covers base ticket price; convenience fee extra) |
What You Need to Know
Voucher Expiry
M-Coupons are valid for only 60 days from the date of issue.
Impact: High risk of 'lapsed' value if you don't watch movies frequently.
Wallet & UPI Exclusion
Payments made to wallets or via credit-linked UPI do not count toward the ₹10k goal.
Impact: Significantly harder to hit milestones in a digital-first payment environment.
Convenience Fee Leakage
The voucher only covers the ticket price. Internet handling fees must be paid via the card.
Impact: Effectively costs ₹30-50 per 'free' ticket when booked online.
Ticket Price Ceiling
Vouchers are typically capped at ₹300/₹400 depending on the variant (Gold vs Platinum).
Impact: In premium metros (Mumbai/Delhi), you may have to pay the differential amount.
Essential Fine Print
Reward Exclusions
Milestone Exclusions: Spends on rent payments, wallet loading, and online skill-based gaming do not contribute toward the monthly milestone spend threshold.
Lounge Access
In-Cinema Lounge Access
Complimentary access to premium PVR INOX in-cinema lounges including LUXE and INSIGNIA.
Dining Benefits
Food & Beverage Discount
Get a flat 20% discount on food and beverages at any PVR INOX cinema or via the PVR INOX app/website.
Milestone Benefits
Unlimited Movie Tickets
Earn 1 free PVR INOX movie ticket (valued up to ₹300) for every ₹10,000 spent in a monthly billing cycle. There is no upper limit on the number of tickets that can be earned.
Additional Features
Instant Movie Discount
Flat 5% instant discount on movie ticket bookings made at PVR INOX box offices or through their official website and mobile app.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | Nil |
| Annual / Renewal Fee | ₹499 |
| Fee Waiver Threshold | N/A |
| Forex Markup | 3.5% |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Salaried
Age between 21-60 years
Income
Must have a steady, verifiable income.
Ready to apply for PVR Inox?
Annual fee: ₹499
Frequently Asked Questions
Annual fee
₹499
3% – 6% yield