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PVR INOX Kotak Credit Card

Data last updated 23 October 2026
45.00%
Purchase rate
₹0
Annual fee
51 days
Interest-free
Application

CardIQ

48Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge35
  • Lifetime free62
  • Travel46

Customer reviews

No reviews yet. Be the first to review the PVR INOX Kotak Credit Card.

Pros & cons

What's good

  • No annual fee.
  • Complimentary airport lounge access.
  • Up to 51 interest-free days on purchases, longer than most cards.

Worth noting

  • The annual fee increases from ₹0 to ₹499 in the second year.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹299 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
Not specified
Residency
Should be a resident of India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹299
Annual fee
No annual fee
Annual fee (year 2+)
₹499 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Up to 51 days on purchases
Minimum repayment
Minimum Amount Due is calculated as 1% of all purchase transactions & cash advances & 100% of EMI, Finance Charges, Fees/Charges & Tax as applicable, subject to a minimum of ₹100 else up to the TAD amount whichever is lower

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days51 daysTied for best (1st of 24 cards)
Purchase rate45.00%Top 10% (4th of 49 cards)
Annual fee₹499 a yearTop 25% (12th of 49 cards)
Overseas fee3.50%Better than most (14th of 49 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

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How CardIQ scores cards
Issuer
Kotak Mahindra Bank