PVR Kotak Platinum Credit Card - Features, Benefits, Fees & Charges

Best For

Shopping

Joining/Annual Fees

Joining Fees

₹0 ( ₹0 + GST )

N/A

Annual Fees

₹1,179 ( ₹999 + GST )

N/A

Eligibility

Age Criteria

21-60 years

Salary Criteria

3 LPA

Credit Rating*

750+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

N/A

Redemption Options

N/A

To check redemption catalogue

N/A

All Card Benefits

All Benefits

Get 2 free PVR movie tickets every month on spending ₹10,000 or more in a billing cycle. Valid for any time, any day, any show at PVR cinemas
Enjoy 15% cashback on food and beverages at PVR
Get 5% cashback on movie tickets purchased at the PVR Box Office
No joining fee in the first year
Complimentary lounge access at select airports
Exclusive offers and discounts at PVR locations
Access to special movie promotions and limited-time deals
Complimentary airport concierge services at major airports

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Rent Payments

Wallet Loads

Utility Spends

Online Skill-Based Gaming

Education Payments

Fuel Spends

Insurance & Government Payments

Cash Advances & EMI Transactions

International Transactions

For Spends Waiver

Rent Payments

Wallet Loads

Utility Spends

Online Skill-Based Gaming

Education Payments

Fuel Spends

Insurance & Government Payments

Cash Advances & EMI Transactions

International Transactions

Bank Fee Structure

Structure	Details
Forex Markups 3.5% Forex Markups are levied if you use your card to make payment in any currency other than INR. This fee will be levied if you shop on any ecomerce website which accepts payment in currency other than INR or if you make a payment outside of India using a POS. Below mentioned table gives forex markup for most common spends ₹100 = ₹3.5 ₹1,000 = ₹35 ₹10,000 = ₹350 ₹1,00,000 = ₹3,500	3.5%
APR Fees 3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 45%	3.75%
ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)	2.5%
Reward Redemption Fees	N/A
Link for all T&Cs	Click Here
Railway Surcharge A surcharge of 1.8% is applied to transactions made for booking railway tickets via IRCTC	1.8%
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card	1%
Cheque Payment Fees 2.0% on bounce amount, subject to minimum of ₹500	N/A
Cash Payment Fees ₹100 will be charged for all payments done via cash	₹100

Late Payment Fees Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared	Amount Due
Less than ₹100	₹0
₹100 – ₹500	₹100
₹501 – ₹5,000	₹500
₹5,001 – ₹10,000	₹600
₹10,001 – ₹25,000	₹800
₹25,001 – ₹50,000	₹1,000
Above ₹50,000	₹1,200