PVR Kotak Gold Credit Card VS PVR Kotak Platinum Credit Card
Both PVR Kotak Gold Credit Card and PVR Kotak Platinum Credit Card suit movies-focused spenders, but they earn and cost differently. PVR Kotak Gold Credit Card is lifetime-free and earns 1-2 PVR INOX movie tickets (up to Rs. 400 each) monthly, equivalent to 4-5.3% cashback. PVR Kotak Platinum Credit Card is lifetime-free and earns 2 free PVR movie tickets (up to ₹400 each) monthly on spends of ₹10,000 or more. PVR Kotak Gold Credit Card also brings Rs. 50,000 card insurance for lost/stolen cards, covering both primary and supplementary cards, while PVR Kotak Platinum Credit Card counters with insurance cover of ₹75,000 for lost/stolen card; zero liability for unauthorized transactions. Weigh the fee against the reward rate above to see which fits your spending pattern better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
PVR Kotak Gold Credit Card
PVR Kotak Platinum Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
The PVR Kotak Gold Credit Card offers a zero joining fee, making it highly accessible.
Earn up to two free PVR movie tickets monthly based on achieving spend milestones.
Enjoy a substantial 20% instant discount on food and beverages at PVR INOX cinemas.
Benefit from an additional 5% instant discount on movie tickets purchased at PVR INOX.
Includes a valuable Rs. 50,000 insurance cover for lost or stolen cards, enhancing security.
Pros
Key benefits and features.
Excellent for frequent movie-goers with 2 free PVR tickets monthly on spend.
Significant savings on PVR F&B and movie tickets via instant discounts.
Provides essential security with zero liability and lost card insurance cover.
Zero joining fee makes the PVR Kotak Platinum Credit Card accessible.
Cons
Key drawbacks and limitations.
The annual fee of Rs. 499 + GST cannot be waived, regardless of spending.
A 1% fuel surcharge is consistently applied to fuel transactions without any waiver.
It carries a high foreign currency markup of 3.5%, making international spends costly.
The PVR Kotak Gold Credit Card offers no specific travel benefits.
Certain spend categories like utilities and rent are excluded from milestone calculations.
Cons
Key drawbacks and limitations.
The PVR Kotak Platinum Credit Card is discontinued for new applications.
No fuel surcharge waiver, adding to costs for fuel transactions nationwide.
High foreign currency markup of 3.5% on all international spends.
Benefits are largely limited to the PVR cinema ecosystem.