Jammu and Kashmir Bank Credit Cards

Though different variants of J&K Bank Credit Cards come with different reward structure and benefits, there are some common features applicable to all cards, as shown below:

• Interest-free credit period of 20 to 50 days
• EMI conversion of merchant transactions as well as outstanding bills
• 24-hour customer support
• Cash withdrawal of up to 40% of the total credit limit

Given below are the three different types of credit cards offered by Jammu and Kashmir Bank, along with their features:

J&K Bank Eminent Credit Card

Best For: Lifestyle and Travel
Annual Fee: Rs. 1,500 (Zero joining fee)

• Credit limit of Rs. 4 Lakh up to Rs. 25 Lakh
• Welcome voucher worth Rs. 500 on making the first eligible transaction
• Voucher worth Rs. 750 on quarterly spends above Rs. 1.5 Lakh
• 1 reward point per Rs. 100 spent
• 3X rewards on dining, apparel, travel and electronic spends
• Dining voucher worth Rs. 1,000 on annual spends above Rs. 6 Lakh
• 2 complimentary domestic lounge visits per quarter
• 1 complimentary international lounge visit every 6 months
• Benefit of Rs. 150 per month on food delivery spends
• Complimentary golf access via Mastercard
• Buy 1 Get 1 offer up to Rs. 500 per month on movies
• 1% fuel surcharge waiver
• Annual fee waiver on making annual spends of Rs. 3 Lakh or more

J&K Bank Platinum Privilege Credit Card

Best For: Rewards and Travel
Joining/Annual Fee: Nil

• Credit limit up to Rs. 8 lakh
• Low forex markup of 1.99%
• 1 reward point per Rs. 100 on monthly spends up to Rs. 15,000
• 2 reward points per Rs. 100 on spends above Rs. 15,000 per month
• Rs. 250 welcome voucher on making the first eligible transaction
• Quarterly milestone vouchers up to Rs. 350 based on spend slabs
• 1 complimentary domestic airport lounge visit per quarter
• 15% off on eligible food delivery and lifestyle spends, once per month
• 1% fuel surcharge waiver on eligible fuel transactions

J&K Bank Platinum Credit Card

Best For: Rewards
Annual Fee: Rs. 500 (Zero joining fee)

• Credit limit up to Rs. 4 lakh
• 1 reward point per Rs. 100 on all eligible spends
• 2X reward points on online spends, department stores, pharmacy, and utility payments
• Rs. 250 welcome voucher on first eligible transaction
• Rs. 500 quarterly voucher on spends above Rs. 75,000
• 10% off on utility bill payments, once per month
• 2 complimentary domestic lounge visits per year
• Annual fee waived off on annual spends of Rs. 1 lakh
• 1% fuel surcharge waiver on eligible fuel transactions

Click here to know about detailed fees and charges of J&K Bank Credit Cards.

Jammu and Kashmir Bank is not a Paisabazaar Partner and its credit cards are not available on our platform. However, you can choose from 100+ credit cards from other leading issuers like SBI Card, HDFC Bank, Axis Bank and more. Follow the simple process given below to check your eligibility:

Enter Name & Mobile Number
Enter your mobile number and name on our platform and verify it using the OTP sent to your phone.

Provide Personal Details
Fill in your personal details, like monthly income and employment type, to proceed with card recommendations.

Choose Lifestyle Category
Select your preferred lifestyle category, shopping, travel, fuel, etc., to get card suggestions tailored to your needs.

Compare & Apply
View pre-qualified card offers, compare features & benefits, and click on ‘Apply Now’ for the card that suits you best.