Kotak PVR Gold Credit Card Review

Entertainment may be a top priority to you – but you don’t want to sacrifice other rewards for receiving only free movie tickets. So here we review the Kotak PVR gold credit card that gives you movie tickets and rewards.

Rewards 

Look after the keyword “PVR” in a credit card – you can understand that the Kotak bank focuses on the movie offers and benefits. So, let’s dig in!

Features And Benefits

Nothing much is benefited from this credit card – still let us discuss them.

1. Offers and rewards on movies: Only two rewards are available: a free movie ticket. You can get 2 free movie tickets – one by expensing Rs 10000 and another by expensing Rs 15000.

2. Zero cost liability: By chance, if you lost the card and report within a proper time, the PVR shield provides up to Rs 50000. The same rule is applied if your card has been stolen.

3. Attractive coverage: Under the PVR shield program, you are eligible to get some insurance coverage, like –

The PVR shield also protects our valuable credit cards from unnecessary transactions and fraud cases. If you lost the card, you have to inform the bank within 7 days and do the necessary steps like filling the form, calling customer care, etc.

4. Do more with adding more members: You can add your family members to the single card you hold. Here is some information regarding add-on members –

• You can control how much your add-on member by specifying a limit.
• All features and benefits are equally applied to both the primary and add-on members.

How To Access PVR coupons with a credit card?

You might be thinking about how to access PVR coupons with a credit card – well, the officials have made some documentation and rules for doing so.  Let us discuss them.

• First, you have to make some transactions using a credit card, so the coupon is gifted as a reward.
• Second, you have to become eligible for getting a PVR coupon. And if that happens, you will receive notifications in your registered mobile number via SMS and get mail regarding the free coupon.
• The coupon code is not valid for a whole year!! Within the next two billing cycles, it will expire.
• When you got the SMS, you are sure that you will get a free ticket or coupon. To claim the reward, you have to send an SMS to 5676788, having subjected the first three letters of the current month. For example, this is April month – so you should send ‘APR’.
• If you have the net banking feature activated, then you have to log in to your account. And then, look for the ‘Credit card’ option, then select the ‘PVR coupon claim’ option.
• If you don’t have a savings account in the bank, you can still log in using the ‘Forgot password’ option.

But here is not the end of the discussion! You have got the coupon, but how to use it? Well, let’s see:

• First, you have to visit https://www.pvrcinemas.com. Then select your preferred movie and book your seat, but you cannot book for Gold and Europa!
• Second, while paying for the ticket, select the MCOUPON option – it will be available on the payment page.
• Third, you have to fill in some details like the last 4 digits of your credit card and the last 5 digits of your mobile number linked with your account.
• Pay using your PVR coupon and enjoy!

Point to be noted that, maximum waived off money is Rs 400 per ticket.

Fees

Surprisingly, this card does not lag in terms of fees!

Eligibility Criteria And Documents Required

• You have to be an Indian.
• Your age should be between 21 – 65 years old.
• No information is available for income criteria.
• A good credit score and credit history is needed.

Documents Required

• Proof of identity and proof of address/residence is sufficient for applying for this card. You can choose anyone for each case from the below list:
• AADHAR card, PAN card, Voter card slip, driving license – for identity proof.
• Ration card, water bill, gas connection bill, the electric bill – for address proof.
• Form 16 or last 2 months payslip – for income proof.

How To Apply For This Card? 

I don’t know whether you are interested in applying for this card or not. Because if you ask me what would I do, the answer is a single word – “no”! Anyway, let’s discuss the point for the interested one.

• Go to the official website www.kotak.com.You will find some questions are asking for details. Fill very carefully.
• In the second step, you have to fill in some other fields – mobile number, PAN number, pin code, Net annual income, and so on. Keep all the documents ready in your hand to avoid an error.
• Fill the forms very carefully. And also, read all the disclaimer terms and conditions before applying.

I am not describing all the points for applying for the card. It is a straightforward process. Fill in the form and enter the next form by clicking on the “next” button. Remember- forms will be rejected in case of any false information.

Similar Cards

Some hardest competitors – let’s judge this credit card with them.

FAQs

Again, we don’t want to sacrifice other features, and the most important thing of concern is security. The Kotak bank is offering the best security among all the free movie ticket offering credit cards. So, it is better to apply for this card if you are a hardcore movie lover.

Final Talk

Here, the time comes for the conclusion. After the long discussion of facilities and disadvantages, one question comes to our mind: “whether should I apply for the card or not?” Same questions have arisen previously and now also. But at this point, I think it is time for my opinion.

As a middle-class family, what if I should choose this card or not. I would always say “no”. Because I think I don’t need to go to the movie frequently. So I missed that reward, and no reward is left for me. And seriously, this reward is not sufficient to attract not only me but any middle-class family also. It is better not to use a credit card than to use this credit card!

I hope you have cleared all the doubts by reading this article. Thank you and see you again later!