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J&K Bank Credit Card

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Customer Benefits: J&K Bank Credit Card

  • 20-50 day Credit Free Period *
  • Revolving Credit Facility on paying of minimum payment due in the same billing period. *
  • Hassle free credit facility at competitive rate of interest. *
  • Cash Withdrawal Facility upto 20% of total credit limit.
  • Loyalty programme
  • MasterCard® SecureCode™ enbaled Credit Cards.J&K Bank lets you shop securely online with your J&K Bank MasterCard Credit Card. This service through a simple checkout process, confirms your identity when you make purchases on the Internet
  • 24 Hour Customer Assistance at JK Bank Helpdesk.


Types: J&K Bank Credit Cards

  • Blue Empowerment Card
  • Silver Empowerment Card
  • Gold Empowerment Card


  • All Merchant Establishments like shops who honor MasterCard™ Credit Cards.
  • All ATM's which accept MasterCard™ Credit Cards.

Eligibility: J&K Bank Credit Cards

  • Annual Income
    • For Salaried -Above http://www.jkbank.net/images/rupee.gif 80,000.00
    • For Self Employed -Above http://www.jkbank.net/images/rupee.gif 1,50,000.00

Documentation: J&K Bank Credit Cards

  • Income Proof
  • Address Proof
  • Identity Proof

Credit Limits

  • Blue Empowerment Card- Upto http://www.jkbank.net/images/rupee.gif25,000.00
  • Silver Empowerment Card-Upto http://www.jkbank.net/images/rupee.gif50,000.00
  • Gold Empowerment Card-Upto http://www.jkbank.net/images/rupee.gif1,00,000.00

Rate of Interest: J&K Bank Credit Cards

  • 2.25% per month

Annual Fee: J&K Bank Credit Cards

  • http://www.jkbank.net/images/rupee.gif300

Renewal Fee

  • http://www.jkbank.net/images/rupee.gif250

Add-on Card Fee

  • http://www.jkbank.net/images/rupee.gif150

Fuel Surcharge

  • Waived Off

Late Fee:J&K Bank Credit Cards

  • http://www.jkbank.net/images/rupee.gif100

Cash Withdrawal Charges:J&K Bank Credit Cards

  • 2% per month from date of Withdrawal along with tranasctional charges.*

One Time Password(OTP) for IVR transactions

  • Effective January 1, 2011, as mandated by Reserve Bank of India (RBI), Credit-Card-issuing Banks in India have introduced an additional measure of security for IVR transactions (Interactive Voice Response transactions are those transactions which are made over the phone where certain Credit-Card details are to be entered into an automated system in order to make payment to a merchant for the purchase of goods/services) through their Credit Cards – the OTP (One Time Password) generation.
  • What is an OTP?
    An OTP is a six-digit code, valid for a limited period from the time of placing a request for it. You will need to obtain an OTP before every IVR payment transaction.
  • How to obtain an OTP?
    You can obtain the OTP by visitingand logging in to J&K Bank Secure Internet Payment. A link Pre OTP is available for generating the OTP which would be emailed to your registered email.
  • How to use the OTP?
    The OTP is required at the time of making payment on the IVR, where you will be prompted to enter it along with the other details like your credit-card number, card expiry date and CVV number.




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