What are users saying about their experiences with the Kotak PVR Credit Card? I’ve been considering getting this card, but I’ve read mixed reviews. Some say it’s great for movie lovers, while others mention issues with spending limits, ticket restrictions, and customer service. What do actual users think about this card? Are there any common complaints or unexpected benefits that aren’t obvious from Kotak’s official description?
From what I’ve seen across forums and Reddit discussions, user opinions on the Kotak PVR Credit Card are pretty mixed. It’s a great card if you’re a regular at PVR, but there are some annoying limitations that can make it feel less rewarding than it looks on paper.
Many users love the fact that they get free movie tickets instead of a Buy One Get One (BOGO) deal, unlike other movie-centric cards. If you’re consistently spending ₹10,000+ per month, the value is undeniable—you’re getting up to ₹800 worth of free tickets monthly, which translates to a solid 4-5% reward rate. Some even mention that it’s great for recliner seats, since a ₹400 discount on those is still useful.
However, the biggest frustration people talk about is the spending requirement. Since you only get the free tickets after hitting ₹10,000 (Gold) or ₹15,000 (Platinum) every single month, it feels like a chore for those who don’t naturally spend that much. If you miss the target by even ₹1,000, you get nothing. This has led to a lot of complaints from users who didn’t track their spending carefully and ended up paying the annual fee without getting enough benefits in return.
Another common complaint is about the ₹400 ticket cap. If you prefer IMAX, 4DX, Gold Class, or Director’s Cut, you’ll have to pay extra for the difference, which takes away from the “free” feeling. Some users say they never find ₹400 tickets in their city, making this card less useful outside of smaller theaters.
People also mention that redeeming the free tickets isn’t as seamless as they expected. You have to wait for a coupon code, and it expires within two months, so if you don’t go to the movies often, you might miss out.
Customer service is another mixed bag. Some users say Kotak’s support team isn’t very helpful, especially when it comes to resolving disputes over missing tickets. A few people mentioned they were charged for the annual fee despite meeting the spending requirements, and getting it refunded was a hassle.
Overall, the Kotak PVR Credit Card is a good deal if you go to PVR often and can consistently hit the spending requirement. But if your spending fluctuates or you prefer premium formats, it might not be as rewarding as it seems at first glance. Some users even suggest getting a general cashback card (like Amazon Pay ICICI or Flipkart Axis) instead, so you can spend the rewards however you like, rather than being locked into PVR tickets.
I feel it is a handy card for regular movie goers. Yes, the 400 INR cap is a turn off, but most places, specially during weekdays do have their ticket prices at a lower price than 400