All cards / Kotak Mahindra Bank
PVR INOX Kotak Credit Card
A zero-joining-fee, low-annual-fee movie co-brand card built around PVR INOX benefits — good value for frequent moviegoers with modest monthly card spend, but narrow outside that use case.
Annual fee
₹499
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Movie & dining: 5% instant discount on PVR INOX movie ticket bookings, plus 20% off food & beverages at PVR INOX
- Rewards rate: 1% base rate
Benefits by category
- 🛍️ Shopping
2.5% reward rate
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 5% instant discount on PVR INOX movie ticket bookings, plus 20% off food & beverages at PVR INOX
- 1 complimentary PVR INOX movie ticket (worth ₹300) for every ₹10,000 spent in a monthly billing cycle, uncapped
Pros
- + No joining fee and a low ₹499 annual fee
- + Uncapped free movie tickets tied to monthly spend
- + 20% off F&B at PVR INOX on top of ticket discounts
Cons
- − Reward value is concentrated almost entirely in PVR INOX benefits
- − Mojo points on general spend are modest (1 per ₹100)
- − No lounge access or travel benefits