PVR Gold Credit Card Fees and Charges

Fees & Charges

Fee & other Parameters	PVR Gold
Joining Fees	Nil
Annual Fees	Rs. 499
Condition for waiver of Annual Fees - First Year	NA
Condition for waiver of Annual Fees - Second Year	NA
Addon card Fees	Rs. 299 per Add on card
Interest Charges on outstanding Balances	3.75% (Annualized 45%) w.e.f. 01st June 2025
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	MAD is calculated as 1% of TAD w.e.f. 01st June 2025
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof	Max of (2.5% on advance amount and Rs. 500)
Late Payment Charges ("LPC")	Due as per last statement (INR)	Late Payment Charges (INR)
	<₹100	0.0
	₹100 - ₹500	100.0
	₹501 - ₹5,000	500.0
	₹5,001 - ₹10,000	600.0
	₹10,001 - ₹25,000	800.0
	₹25,001 - ₹50,000	1000.0
	>₹50,000	1200.0
Over Limit Charge	Rs. 500
Cheque Bounce Charges	Rs. 500
Foreign Currency Mark Up	3.5%
Railway Booking Surcharge (1.8%/2.5% on transaction amount)	Applicable
Fuel Surcharge	Applicable
Fee for Cash payment at Bank	Rs. 100
Outstation Cheque Processing Fee	Waived
Reissue/ Replacement Card (per issunace)	Rs. 100
Charge Slip Request	Waived
Machine Surcharge at ATMs	Waived
Balance Enquiry Charges at Non Parent Bank ATM	Waived
Duplicate Statement Request	Waived
Web Pay Service Fee	Waived
Standing Instruction Failure / Auto-debit return fee (includes NACH, ECS, Auto-Debit)	2% on bounce amount, subject to minimum of ₹450. W.e.f 1st June 2025, Maximum fee of ₹5000
Fee on Wallet Loading	W.e.f. 1st June, 2025, 1% fee on cumulative wallet loading spends exceeding ₹10,000 per statement cycle
Credit Limit Increase Processing Fees	₹100 as applicable
Fee on Fuel Transactions	W.e.f. 1st June, 2025, 1% fee on cumulative fuel spends exceeding ₹25,000 per statement cycle
Fee on Online Skill-Based Gaming	W.e.f. 1st June, 2025, 1% fee on cumulative online skill-based gaming spends exceeding ₹10,000 per statement cycle
Fee on Education Payment	W.e.f. 1st June, 2025, 1% transaction fee will be applicable on all education payments made via third-party apps
Fee on Utility Spends	W.e.f. 1st June, 2025, 1% fee on cumulative utility spends exceeding ₹35,000 per statement cycle
Fee on Rent Payments	1% fee on transaction amount
GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card

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Waiver of fees for Credit Cards linked to Programme is subject to maintaining eligibility of respective Programme.

Programme refers to Kotak Bank and Group product propositions like Privy League Black / Privy League Platinum / Privy League Neon programme / Private Banking / Corporate Salary programme. For details on the programme eligibility and cards offered, please visit www.kotak.bank.in

In case, programme eligibility is not met or if customer is degraded from higher variant programme to lower variant, customer will not be given programme linked fee waiver and will be required to pay Joining/Annual fees

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