Kotak PVR INOX Credit Card Review - Designed For Movie Lovers

The Kotak PVR INOX Credit Card is designed specifically for movie lovers, offering exclusive benefits at PVR and INOX cinemas. From free movie tickets to discounts on food and beverages, this card is ideal for enhancing the movie-watching experience. The card users also get the chance to earn unlimited free movie tickets based on their card spends. 

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Fees and Charges

• Joining Fee: Zero (Right Now)
• Annual Fee: ₹500 First Year Renewal - No Fee Waiver  (waived if annual spends exceeds ₹75,000 from the second year onward)
• Interest Rate: 3.5% monthly (42% annualized)
• Add-on Card Fee: ₹299
• Foreign Currency Mark-up: 3.50%

Key Benefits

• Free Movie Tickets: Get 1 or more free movie tickets every month on spends of ₹10,000 or more in the previous billing cycle. These tickets are valid across PVR and INOX cinemas in India(1 movie ticket worth ₹300).

• Food & Beverage Discounts: Enjoy a flat 20% discount on food and beverages at any PVR or INOX cinema, including purchases made via the PVR INOX app or website.

• Movie Ticket Discount: Avail a 5% discount on movie tickets at PVR and INOX cinemas, both online and at the box office.

• Access to Premium Lounges: Cardholders get access to premium PVR INOX lounges (charges apply for any purchases inside the lounge).

No other rewards: The card does not offer any reward points or cashback on regular online/offline purchases. It is focused exclusively on movie-related benefits.

How the Free Movie Ticket System Works

• Spend ₹10,000 or more in a billing cycle to earn 1 movie ticket worth ₹300.
• For every ₹10,000 spent, you earn additional tickets:
  • ₹22,000 spent = 2 tickets
  • ₹75,000 spent = 7 tickets
  • ₹1,05,000 spent = 10 tickets

Note: All Spends on rent payments or wallet funding do not count toward the milestone.

Steps to Redeem Movie Tickets (M-Coupons)

1. Log in to the Kotak Mobile App or Net Banking.
2. Go to the Credit Card Overview Section and select "PVR INOX Kotak Credit Card."
3. Select "PVR INOX Coupon Claim" for the eligible month.
4. Claim your M-Coupons (valid for 60 days).
5. Use the M-Coupons on the PVR app or website to book movie tickets (any format, any category).

Booking with M-Coupons

• Visit the PVR app or website, select your preferred cinema, movie, and seats.
• Under "PVR Exclusives," enter your M-Coupon details and pay the balance amount (if applicable).
• Each M-Coupon is capped at ₹300. Any excess ticket cost must be borne by the customer.

How to Avail Food and Ticket Discounts

• While booking movie tickets or F&B, present your PVR INOX Kotak Credit Card to get the applicable discount.
• Pay using the card to complete the transaction (taxes must be paid by the cardholder).

Pros

• Great for Movie Lovers: Exclusive benefits for frequent cinema-goers.
• Low Annual Fee: ₹500 annual fee, with the opportunity to waive it after ₹75,000 yearly spends.
• Additional Perks: Access to lounges, food discounts, and a seamless experience at PVR and INOX cinemas.

Cons

• Limited Rewards: No cashback or reward points on other purchases; movie benefits only.
• Conditioned Benefits: Free tickets require minimum spends each month to unlock.

Eligibility Criteria for PVR INOX Kotak Credit Card

Conclusion

The Kotak PVR INOX Credit Card is an excellent choice for frequent moviegoers who enjoy watching films at PVR and INOX theatres. However, if you're not a regular cinema visitor, this card may not be the most rewarding, especially since its benefits are largely movie-centric.