Kotak Mahindra Bank PVR INOX Kotak credit card
Kotak Mahindra Bank× PVR INOXVisaLifestyle

PVR INOX Kotak credit card

Free movie tickets every month for regular moviegoers.

29
Personal score29/100● Weak fit
Recurring net savings₹1,573/yrafter fee, GST and caps · bills paid in full
First-year value₹984no welcome offer, ₹589 joining fee
Effective savings rate0.5%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹589waiver at ₹1,00,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: Kotak Mahindra Bank – PVR INOX Kotak product page · last reviewed 2026-09-12

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail
₹1,213/yrBase rate 0.5% on other spends
Waived₹589 fee
0/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹1,573/yr · 0.5%
Base rate 0.5% on other spendson ₹2,42,640₹1,213
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹1,573/yr is calculated
PVR INOX Kotak
+ Reward value on your spendat ₹0.25/Reward Points realistic value
₹1,213
+ Fuel surcharge waiver1% up to ₹250/month
₹360
+ Annual fee incl. 18% GSTwaived – ₹589 at ₹1,00,000 spend
₹0
= Recurring net savings
₹1,573/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,26,640
= Effective savings rate
0.5%

How the score of 29 is built

weights total 100% · methodology
Net savings rate10/100 × 55%5.4
Usable lounge access0/100 × 15%0.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity60/100 × 5%3.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

Card facts

💳 Base earn0.5%value on eligible spend
⚡ Accelerated5% 5% back on PVR INOX
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹589/yr incl. GSTwaived on ₹1,00,000 spend · joining ₹499
🎁 Welcome (year 1)none
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹0.25/Reward Points ★★★☆☆1 point = ₹0.25 on the catalogue.
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylemoviesfuel waiver2 free PVR INOX tickets a month on ₹10k spend
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Free tickets worth ₹6,000/yr
  • Cheap fee
  • Only worth it for movie lovers

Compare PVR INOX Kotak with

Community Q&A on the PVR INOX Kotak

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the Kotak Mahindra Bank PVR INOX Kotak?

Joining fee ₹499 and renewal fee ₹499, plus 18% GST (₹589 a year). The renewal fee is waived if you spend ₹1,00,000 in the card year.

Does the PVR INOX Kotak give airport lounge access?

No lounge access. None.

How much can I save with the PVR INOX Kotak?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹1,573 a year, an effective savings rate of 0.5% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the PVR INOX Kotak's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. 5% back on PVR INOX (tickets & F&B): capped at ₹500 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: PVR INOX Kotak lounge access by airport · all Kotak Mahindra Bank cards · change log.