PVR INOX Kotak vs CheQ AU

Reviewed by Chandan Kumar Dash

CheQ AU has the lower annual fee (Free against ₹499). For spends abroad, CheQ AU charges the lower forex markup (3.49% plus GST). Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.

Feature	PVR INOX KotakKotak Mahindra0 wins	CheQ AUAU Small Finance2 wins · ahead
Annual fee	₹499	LowerFree
Joining fee	Free	Free
Fee waiver	No spend waiver	No fee to waive
Rewards	One movie ticket per Rs 10,000 spent; 20% off food and beverages; 5% off movie tickets	12% rewards on favourite brands, 5% on favourite categories, 2.5% on CheQ UPI, 1% CheQ points on every transaction
Airport lounges	None listed	None listed
Forex markup	3.5% plus GST	Lower3.49% plus GST
Points	Cashback or not listed	CheQ Points, about ₹0.5 a point
Published minimum income and age	age 21 to 60	age 21 to 65
Network	Not listed	Visa / RuPay
Apply	Bank page	Bank page

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

Common questions

Which has the lower annual fee?

CheQ AU (Free against ₹499).

Add a third card PVR INOX Kotak CheQ AU

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