{
  "id": "kotak-pvr-credit-card",
  "locale": "hinglish",
  "name": "Kotak PVR Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹999 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "Up to 24 Free PVR Tickets / year (2/mo on ₹20k spend) · 15% F&B Off",
  "bestFor": "Movie buffs, regular PVR/INOX cinema visits & cinema food discounts",
  "officialLink": "https://www.kotak.com/en/personal-banking/cards/credit-cards/pvr-kotak-platinum-credit-card.html",
  "affiliateId": "kotak-pvr-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.kotak.com/en/personal-banking/cards/credit-cards/pvr-kotak-platinum-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — PVR INOX Credit Card schedule of charges",
    "PVR INOX & Kotak — Free ticket vouchers and F&B discount terms"
  ],
  "feeWaiver": "Saal mein ₹2,00,000 retail spend karne par annual fee waived",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Free Movie Tickets",
      "value": "Up to 24 Tickets / year"
    },
    {
      "key": "Monthly Spend Target",
      "value": "2 Free on ₹20k spend"
    },
    {
      "key": "Ticket Value",
      "value": "Up to ₹400 / ticket"
    },
    {
      "key": "F&B Discount",
      "value": "15% at PVR counters"
    },
    {
      "key": "Annual Fee",
      "value": "₹999 + GST"
    },
    {
      "key": "Welcome Gift",
      "value": "2 Free PVR Tickets"
    }
  ],
  "earnRates": [
    {
      "category": "Monthly Spends of ₹20,000+",
      "rate": "4.0% in Movie Tickets",
      "monthlyCap": "2 Free Tickets (₹800 value)",
      "perLakhSpent": "10 Tickets (₹4,000 value)"
    },
    {
      "category": "Monthly Spends of ₹10,000–₹19,999",
      "rate": "4.0% in Movie Tickets",
      "monthlyCap": "1 Free Ticket (₹400 value)",
      "perLakhSpent": "10 Tickets (₹4,000 value)"
    },
    {
      "category": "Monthly Spends Below ₹10,000",
      "rate": "0%",
      "monthlyCap": "No tickets earned",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Monthly Spend Tier 1 (₹10,000 spend)",
      "multiplier": "Milestone",
      "rate": "1 Free Ticket",
      "monthlyCap": "1 Ticket / month",
      "dailyCap": "—",
      "note": "PVR ticket coupon up to ₹400."
    },
    {
      "channel": "Monthly Spend Tier 2 (₹20,000 spend)",
      "multiplier": "Milestone",
      "rate": "2 Free Tickets",
      "monthlyCap": "2 Tickets / month",
      "dailyCap": "—",
      "note": "2 PVR ticket coupons up to ₹800/mo."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "PVR / INOX Free Movie Tickets",
      "value": "Up to ₹400 / coupon",
      "minPoints": "1 Coupon",
      "ceiling": "2 Coupons / month",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "PVR F&B Counter Discount",
      "value": "15% Instant Off",
      "minPoints": "₹0",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹500–₹3,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹999 + GST (2 Free PVR Tickets welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹999 + GST (Waived at ₹2,00,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.5% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹30,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹4.8 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}