Kotak PVR Gold Credit Card: Features & Benefits

Summary

The Kotak PVR Gold Credit card is for regular moviegoers who frequently use the cinemas of PVR. Instead of offering regular points or cashback, this card offers free PVR tickets based on your spending. If you spend ₹10,000 in a billing cycle, you get 1 free PVR ticket, and on spending ₹15,000, you get 2 free tickets. This makes it simple and rewarding for those who enjoy movies very frequently.

In addition to the free tickets, it offers you 15 percent off on food and beverages from PVR cinemas; this reduces the cost incurred for snacks when watching a movie. You are also entitled to a 1% waiver on the fuel surcharge, which falls in the category of ₹500 and ₹3,000 on each transaction- useful for a driver who makes regular trips.

However, this card is more useful for people who visit PVR theatres as the reward is only for movie tickets and other related discounts. If you want cashback, travel rewards, or general shopping benefits, then this might not be the best for you. The Credit card has an annual fee, so you need to make sure you use it enough to make the most of its benefits.

Introduction

If you are a movie lover and enjoy watching movies at PVR then Kotak Gold Credit Card can be one of the best deals for you. PVR Gold Credit Card has been specially designed for those who enjoy movies often and also look forward to great rewards and offers on spending. Kotak Mahindra Bank has partnered with PVR Cinemas and launched the Kotak PVR Credit Card which provides you with numerous wonderful benefits every time you go to a movie at PVR.

Through PVR Gold Credit Card, you can avail cashback, discounts, and special offers on every movie ticket. Apart from this, you also get reward points on every expenditure made by you, which you can use in the future. PVR Gold Credit Card is not limited to movies only, but you also get many benefits on daily expenses, shopping, and other transactions.

With the credit card, you not only get discounts on movie tickets but can also enjoy special discounts on food and beverage bills made at PVR. Also, the annual fee of PVR Gold Credit Card is very affordable, so it can fit into every person’s budget.

In today’s article, we will discuss in detail about PVR Gold Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of Kotak Gold Credit Card in this article and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not have any problems later.

What is the Kotak PVR Gold Credit Card?

Credit Card is a special type of credit card offered by Kotak Mahindra Bank. PVR Gold Credit Card is primarily designed for movie lovers who are fond of watching movies in PVR Cinema. Through Kotak Gold Credit Card, you get great rewards and cashback on ticket booking in PVR.

Besides, Credit Card holders can avail of many special deals such as free movie tickets, exclusive deals, and special offers. Not only does this enhance the movie-watching experience but, it also helps control expenditure. On the whole, PVR Gold Credit Card is a great deal if movies are your cup of tea and you wish to minimize spending on movies.

How is the Kotak PVR Gold Credit Card designed?

Credit Card is introduced for seamless spenders to movie lovers who are interested in visits to PVR multiplexes. This card allows earning free PVR movie tickets monthly based on the spends of an individual through a card.

The card comes with rewards and discounts on snacks at the movie theater, making it an ideal option for entertainment lovers. Though it comes with an annual fee, the benefits are largely through the PVR multiplexes only.

What are the benefits of the Kotak PVR Gold Credit Card?

The Credit Card offers the following benefits:

1. Free PVR Movie Tickets – Get 1 free PVR ticket every month on spending ₹10,000 and 2 free PVR tickets on spending ₹15,000 in a billing cycle.

2. No points, direct movie tickets – Rather than reward points, you get direct movie tickets, making it simple and hassle-free.

3. Discount on Food & Beverages – 15% discount on food and beverages at PVR cinemas.

4. Fuel Surcharge Waiver – Receive a 1% fuel surcharge waiver with transactions between ₹500 and ₹3,000 at all fuel stations across India.

What are the fees for the Kotak PVR Gold Credit Card?

Here is a simple Credit Card fee breakup.

Joining Fee	₹499 = GST per year. This will be waived if you spend 15,00,000 or more in a year.
Annual Fee	₹499 = GST per year. This will be waived if you spend 50,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Kotak PVR Gold Credit Card?

The following are the primary requirements:

1. To apply for the Kotak PVR Gold Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.

4. Your credit score plays a role in the selection process. It is a tendency for Kotak Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Kotak PVR Gold Credit Card?

The documents that you will have to submit to Get a Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etc Rent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Kotak PVR Gold Credit Card be used?

Here is the list of places where you can use it:

• With the Kotak Gold Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your PVR Gold Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  Kotak PVR Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Kotak PVR Gold Credit Card?

The credit amount you can spend is what you are provided with a PVR Gold Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for a Kotak PVR Gold Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Kotak Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Kotak Bank; for instance, you can choose the Kotak Gold Credit Card.

• Just hover your cursor on the Kotak PVR Gold Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Kotak Bank branch to apply for the Kotak PVR Credit Card.

• Request for the credit card application form for the PVR Gold Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Kotak Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Kotak PVR Gold Credit Card in 2025 be right?

Yes, getting a Kotak PVR Gold Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Kotak Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Credit Card is a great financial tool for movie lovers. Talking about its features, the Kotak PVR Gold Credit Card offers you great rewards, cashback, and special offers on ticket bookings at PVR. This not only makes your movie-watching experience more comfortable but also helps you manage your expenses better.

Kotak Gold Credit Card is easily available, and for that, you only need some basic documents along with proof of a steady income. So it’s easy for anyone, student, young professional, or any family member to get the benefit of Kotak PVR Credit Card.

If you want to enjoy the benefits of PVR Gold Credit Card to the maximum, then ensure that you use all its features properly. For this, you should accumulate reward points properly and redeem them from time to time.

Frequently Asked Questions (FAQ’s)