Jammu & Kashmir Bank Credit Card

Features of J&K Bank Credit Cards Fees and Charges J&K Bank Credit Card Eligibility & Documents Required How to Apply J&K Bank Credit Card Customer Care FAQs

Jammu and Kashmir Bank offers different credit card variants including Empowerment Credit Card (Blue, Silver and Gold), Platinum Credit Card and World Credit Card. The key features and significant benefits of all the variants are listed below:

Best Suited For: Lifestyle

Key Highlights

Credit Free Period- Get 20-50 day credit-free period with this card.

Revolving Credit- Avail the revolving credit facility on paying off the minimum payment due in the same billing period.

Cash Withdrawal- Enjoy the cash withdrawal facility up to 20% of the total credit limit.

EMI- The EMI scheme is also available on credit card purchases.

Acceptability- The cards are accepted at all merchant establishments who honour Mastercard Credit Cards and all ATMs accepting the same.

Entrance Fee for Blue / Silver / Gold Credit Card- The joining or entrance fee for any of the 3 variants is Rs.300 + applicable GST.

Add On Card- You have the option to get an add-on credit card at a joining fee of Rs.300 (+ GST) and an annual fee of Rs.400 (+ GST).

Similar Card: ICICI Coral Contactless

Best Suited For: Lifestyle

Key Highlights

Welcome Offer- Avail welcome abroad offers of Rs.4000 across premium brands.

Loyalty Points- Earn 1 loyalty point on every Rs.200 spend. The accumulated points can then be redeemed against gifts and other exclusive products.

Cash Limit- Get 20% of the credit limit subject to a maximum of Rs.1.6 lakh.

Credit Limit- Enjoy a credit limit of Rs.1 lakh plus to up to Rs.8 lakh.

Concierge Services- Avail the global concierge services in which you can get Mastercard Global Emergency Services for any card-related needs, like emergency cash advances within 2 hours, card replacement within 24 hours in the U.S. and in 48 hours worldwide.

Similar Card: HDFC Moneyback

Welcome Offer- Get welcome abroad offers of Rs.10,000 across all premium brands.

Loyalty Points-  Earn 1 loyalty point on every Rs.100 spent. Use the accumulated points for purchases of gift and other available categories from the catalogue.

Cash Limit- Get 20% of the credit limit subject to a maximum of Rs.5 lakh.

Credit Limit- Avail a credit limit of Rs.8 lakh plus to up to Rs.25 lakh.

Lounge Access- Get 2 free Airport Lounge Access per year at select domestic and international airport terminals in India. Also, get access to Airport Lounges at foreign locations.

Golf Benefits- Get Mastercard world-class Golf Program across select golf courses in India including both Golf games and lessons.

Concierge Services- Avail premium global concierge services in which you can get Mastercard Global Emergency Services for any card-related needs, like emergency cash advances within 2 hours, card replacement within 24 hours in the U.S. and in 48 hours worldwide.

Similar Card: Axis Bank Vistara

The fees and charges associated with Jammu & Kashmir Bank credit cards are:

Description	Fees / Charges
Joining Fee	Rs.300 + applicable GST
Annual Fee	Rs.400 + applicable GST
Add-On Card	Issuance: Rs.300 + applicable GST Annual: Rs.400 + applicable GST
Interest Rate	3.00% per month
Cash Advance Fee (At J & K ATMs)	2.5% of the amount with a minimum of  300/- for each transaction plus GST
Late Payment Fee	Rs.100
Card Replacement Charges	200/- plus applicable GST
Cash Advance Charges (Overseas)	2.5% of the amount with a minimum of USD 5 for each transaction

To be eligible for Jammu & Kashmir Empowerment Credit Card applicants must meet the following eligibility criteria:

 

For Empowered Credit Card (Blue / Silver / Gold)
Annual Income	For Salaried- Above Rs.80,000 For Self Employed: Rs.1.5 lakh

 

Income Criteria for Platinum and World Credit Cards
Central/ State Govt Employees drawing a salary from J & K Bank	6 times gross monthly salary or 10 times net monthly salary, whichever is lower
IAS cadre officers and KAS officers, Doctors, University/ College Asst etc.	7 times gross monthly salary or 12 times net monthly salary, whichever is lower
Self-employed / Businessman / other salaried class	50% of Annual Gross Income
Pensioners	3 months gross pension

Along with this, the applicant must submit Know Your Customer (KYC) Documents establishing their identities. To do this, any one document in a category will suffice. The acceptable documents are:

Identity Proof	Passport, PAN Card, Aadhaar Card, Voter’s ID Card, Driving Licence, Photo Credit Card, Central and State Govt. issued Photo ID Proof, Defence ID Card, etc.
Residence Proof	Aadhaar Card, Ration Card, Passport, Bank Account Statement, Voter’s ID Card, Letter from any recognized public authority, Telephone Bill, Electricity Bill, Water Bill etc (not more than 3 months old), etc.
Income Proof in case of salaried co-borrower	Salary Slips (not more than 3 months old), Bank Statements (not more than 3 months old), ITR, Form-16 for last 2 years, bank account statement for last 6 months of salary account.
Income proof for self-employed co-applicant	Business address proof, IT returns for last two years (If IT payee). TDS certificate Form 16A if applicable, Certificate of qualification (for CA, doctor, and other professions). Bank account statement for the last 6 months.

You can easily apply for any credit card variant provided by Jammu and Kashmir Bank either online or offline. Follow the below-listed steps for your credit card application:

Online Application-

Step 1- Visit the official website of Jammu and Kashmir Bank.

Step 2- From the ‘Help Center’ section on the homepage click on ‘Apply Online’ option.

Step 3- In the newly opened page, fill the application form with all the required details.

Step 4- After completing the form, click on ‘Submit’.

Step 5- Upon successful submission, the bank will verify the details and accept or reject your application on the basis of the set eligibility norms.

Step 6- After verification, the bank will contact you for further process of documentation.

Offline Application-

You can also apply for your credit card online by visiting your nearest bank branch. All you need to do is just visit the nearest J&K Bank branch and go to the bank’s representative. Ask for a credit card application form and fill the form with all the relevant details. Then submit the duly filled form along with the required documents. Upon submission of the form, the bank will verify your application. After successful verification, the bank will dispatch your card to the registered address.

Customers can get in touch with the 24-hour customer assistance at J&K Bank helpdesk. Following are the contact details:

• Contact Number- +91-194-2486427
• Email- creditcards@jkbmail.com
• Postal Address- Card Issuing and Acquiring Department; Corporate Headquarters, J&K Bank, M.A Road, Srinagar, J&K, India

What is the late payment fee for Empowerment Credit Cards?

The late payment fee is Rs.100

Can I get an add-on credit card?

Yes, the Jammu and Kashmir Bank offers add-on credit cards to customers.

Does the bank provide a grace period?

Yes, the bank offers a grace period ranging from 20 to 50 days.

Does the bank charge any renewal fee on credit cards?

The bank charges an amount of Rs.400 plus GST as renewal fee on Empowerment Credit Cards.

How soon should the cheque reach the bank when paying for the credit card outstanding?

The cheque is supposed to arrive 4 days before the payment due date.