PVR INOX Kotak Credit Card

• Buy 1 get 1 free on Kotak Luxe and Insignia tickets.
• Get 1 PVR INOX movie ticket (worth Rs. 300) on spending every Rs. 10,000 in a monthly billing cycle (excluding spends on rent payments, wallet funding, online-skill-based gaming).
• Get flat 20% off on food and beverages at any PVR INOX theatre or on the PVR INOX app/ website on your next visit to the movies.
• Get flat 5% off on movie tickets at any PVR INOX theatre or on the PVR INOX app/ website for your next visit to the movies.
• Get access to premium PVR INOX in-cinema lounges without any additional cost.
• Zero Joining fee and Rs. 499 annual fee.
• If you are looking for the Best Travel Credit Cards, you can apply for other Kotak Mahindra Bank credit cards.

• Joining fee: Nil.
• Annual fee: Rs. 499.
• Add-on card issuance fee: Rs. 299.
• Finance charges: 3.75% monthly (45% annually).
• Cash advance fee: 2.5% on advance amount (minimum Rs. 500).
• Late payment charges: Up to Rs. 1,300 (depends on outstanding balance amount).
• Over limit charges: Rs. 500 (for over limit amount of Rs. 500 or more).
• Cheque return fee: 2% of the bounced amount (minimum Rs. 500).
• Standing instruction failure/auto-debit return charges: 2% of the bounced amount (minimum Rs. 450 & maximum Rs. 5,000).
• Foreign currency transaction markup: 3.50%.
• Dynamic currency conversion fee: 3.5%.
• Railway booking surcharge: As per applicable rate.
• Fuel surcharge: Minimum Rs. 10 on transaction amount (as per applicable rate).
• Card replacement fee (lost & damaged): Rs. 100 per card.
• Fee for cash payment at branches: Rs. 100.
• Image card fee: Rs. 99 or Rs. 199 per image card.
• Fee on rent payments: 1% of the transaction amount + GST.
• Fee on utility spends, education payment, wallet loading, online skill-based gaming, and fuel transactions: 1%.
• Credit limit increase processing fees: Rs. 100. 
• Goods & Services Tax (GST): Applicable on all charges at the current rate.

There are various reasons to choose the PVR INOX Kotak credit card, including: 

• Buy 1 get 1 free on Kotak Luxe and Insignia tickets.
• 1 PVR INOX movie ticket (worth Rs. 300) on spending every Rs. 10,000 in a monthly billing cycle.
• Flat 20% off on food and beverages at any PVR INOX theatre or on the PVR INOX app/ website on your next visit to the movies.
• Flat 5% off on movie tickets at any PVR INOX theatre or on the PVR INOX app/ website for your next visit to the movies.
• Access to premium PVR INOX in-cinema lounges without any additional cost.
• Zero Joining fee.
• If you are looking for Airport Lounge Credit Cards, you can explore other Kotak credit cards.

• You can apply for the PVR INOX Kotak Credit Card online by following the steps below:
• On the official portal of Kotak Mahindra Bank, open the Credit Cards page.
• Find the PVR INOX Kotak Credit Card option and apply for it.
• Fill out the application by mentioning all the required details online.
• Upload the copies of required documents.
• Complete the VKYC verification when instructed to finalise your submission.

You will need the following documents to apply for the PVR INOX Kotak credit card:

• PAN Card (mandatory)
• Proof of identity: Aadhaar Card/ Passport/ Voter ID Card/ Driving Licence.
• Proof of address: Passport/ Aadhaar Card/ Recent Utility Bill (not older than 3 months)/ Registered Rental or Lease Agreement.
• Proof of income for salaried: Last 3 months' Salary Slips and Bank Statements with salary credits, and Form 16/ latest ITR.
• Proof of income for self-employed: Audited Financial Reports for the last 2 years and ITR.

Pros

• Buy 1 get 1 free on Kotak Luxe and Insignia tickets.
• 1 PVR INOX movie ticket (worth Rs. 300) on achieving every spend milestone of Rs. 10,000 in a monthly billing cycle.
• Flat 20% off on food and beverages at any PVR INOX theatre or on the PVR INOX app/ website on your next visit to the movies.
• Flat 5% off on movie tickets at any PVR INOX theatre or on the PVR INOX app/ website for your next visit to the movies.
• Access to premium PVR INOX in-cinema lounges without any additional cost.
• This is not a lifetime free credit card however, it comes with zero joining fee and a minimal annual fee of Rs. 499.

Cons

• 1 PVR INOX movie ticket offer cannot be availed on monthly spends of Rs. 10,000 on rent payments, wallet funding, online-skill-based gaming.
• If you are looking for Credit Cards with Priority Pass, you should explore other options.
• This card doesn’t offer any waiver on fuel surcharge. If you want that benefit, you will have to explore Fuel Surcharge Waiver Credit Cards offered by Kotak Mahindra Bank or other lenders.
• If you want a reward credit card, this one is not for you. The PVR INOX Kotak credit card does not have any Credit Card Reward Programs.

Below are the basic PVR INOX Kotak Credit Card eligibility criteria:

• Age of primary credit card holder: 21 to 60 years.
• Age of add-on credit card holder: 18 years or above.
• Citizenship: Resident of India.
• Location: The applicant must live in Chennai, Chandigarh, Pune, Hyderabad, Ahmedabad, Bangalore, Delhi (including Noida and Gurgaon), Mumbai, or Kolkata.
• Income: The applicant must have a regular income source. 
• Credit score: The applicant must have a good credit history without any past defaults.