{
  "id": "pvr-gold-credit-card",
  "locale": "hinglish",
  "name": "PVR Kotak Gold Credit Card",
  "bank": "Kotak Mahindra Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "Up to 24 Free PVR Tickets / yr (₹9,600 value) · 20% on PVR F&B · 5% on Box Office",
  "bestFor": "Movie buffs, weekend cinema tickets at PVR INOX, popcorn snacks & low ₹50k fee waiver",
  "officialLink": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/pvr-gold-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.bank.in/en/personal-banking/cards/credit-cards/pvr-gold-credit-card.html",
    "https://www.kotak.bank.in/content/dam/Kotak/customer-service/general-banking/cards/credit-cards/mitc.pdf",
    "Kotak Mahindra Bank — PVR Gold Credit Card schedule of charges",
    "PVR INOX Rewards Matrix — Monthly ticket milestone and F&B discount terms"
  ],
  "feeWaiver": "Waived on annual retail spends exceeding ₹50,000",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Free Movie Tickets",
      "value": "Up to 2 tickets / mo (₹800 value)"
    },
    {
      "key": "Annual Cinema Value",
      "value": "Up to 24 tickets / yr (₹9,600 value)"
    },
    {
      "key": "PVR F&B Discount",
      "value": "20% Instant Discount"
    },
    {
      "key": "Box Office Tickets",
      "value": "5% Instant Discount"
    },
    {
      "key": "Annual Fee",
      "value": "₹499 + GST"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹50,000 / year (Very Low)"
    }
  ],
  "earnRates": [
    {
      "category": "Monthly Spends ≥ ₹15,000",
      "rate": "2 Free PVR Tickets (₹800 Value)",
      "monthlyCap": "2 tickets / month",
      "perLakhSpent": "13 Tickets (Capped at 2 tickets/mo)"
    },
    {
      "category": "Monthly Spends ₹10,000–₹14,999",
      "rate": "1 Free PVR Ticket (₹400 Value)",
      "monthlyCap": "1 ticket / month",
      "perLakhSpent": "10 Tickets (Capped at 1 ticket/mo)"
    },
    {
      "category": "PVR Food & Beverages",
      "rate": "20% Instant Discount",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹20,000 Savings"
    },
    {
      "category": "PVR Box Office Tickets",
      "rate": "5% Instant Discount",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹5,000 Savings"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 tickets"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Monthly Spend ≥₹15k",
      "multiplier": "2 Tickets",
      "rate": "₹800 Value",
      "monthlyCap": "2 tickets / month",
      "dailyCap": "—",
      "note": "2 free PVR tickets every month."
    },
    {
      "channel": "Monthly Spend ≥₹10k",
      "multiplier": "1 Ticket",
      "rate": "₹400 Value",
      "monthlyCap": "1 ticket / month",
      "dailyCap": "—",
      "note": "1 free PVR ticket every month."
    },
    {
      "channel": "PVR Cinema F&B",
      "multiplier": "20% Off",
      "rate": "Discounts",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Flat 20% off on cinema snacks."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "PVR INOX Movie Tickets (M-Coupons)",
      "value": "₹400 / Ticket Voucher",
      "minPoints": "1 Voucher",
      "ceiling": "2 Vouchers / month",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "PVR Food & Beverage Counter Discounts",
      "value": "20% Direct Bill Discount",
      "minPoints": "Nil",
      "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": "₹499 + GST (First Year Free Promo / Welcome Voucher)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹499 + GST (Waived at ₹50,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.50% / month (42.0% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹20,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹2.5 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}