J &K Bank Credit Card

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Top J &K Bank Credit Card 

There are three J &K Bank Credit Card offered by Jammu and Kashmir bank.

Name

Annual Fee

Minimum Income Required

J &K Bank Gold Credit Card 300 rupees 80,000 Per annum( subject to change)
J &K Bank Platinum Credit Card 300 rupees 80,000 per annum( subject to change)
J &K Bank World Credit Card 300 rupees 80,000 per annum ( subject to change)

J & K Bank credit card categories

Jammu And Kashmir Bank offer 3 types of credit cards that can be used for purposes like bill payments, ticket booking, shopping, purchasing etc. Those credit cards are

  • J &K Bank Gold Credit Card

Apply for J &K Bank Gold Credit Card

  • J &K Bank Platinum Credit Card –

Apply for J &K Bank Platinum Credit Card

J & k Bank credit card

You can use these cards for shopping, travels, bill payments etc. There are many exciting benefits and advantages too. These cards are accepted in all Merchant Establishments which accept a Master card.

Top J & K Bank Credit Card Eligibility Criteria 

  • The applicant must be an Indian or a non-resident Indian
  • The applicant must have a minimum of 18 years of age and a maximum of 65 years. 
  • The applicant must have a good credit score.
Name
Income
Age
Salaried Individual Self-Employed Individual 18 years to 65 years
J &K Bank Gold Credit Card 80000 rupees per year 80000 rupees per year
J &K Bank Platinum Credit Card 80000 rupees per year 80000 rupees per year
J &K Bank World Credit Card 80000 rupees per year 80000 rupees per year

J &K Bank Credit card documents required 

While applying for a credit card, the applicant is supposed to submit some documents as proof of identity, proof of income and proof of residence to support their application. The details about the required documents are given in the table.

 Proof of Identity

 Proof of Residence

 Proof of Income 

Salaried Individual Self-Employed Individual
  • Passport
  • Driving license
  • PAN card
  • Aadhaar card
  • Passport
  • Ration Card
  • Water/Electricity bill
  • Landline telephone bill
  • Property tax bill
  • Latest salary slip
  • Form 16
  • Certified financials.
  • Recent Income Tax Returns
  • Audited profit and loss statement or balance sheet

J &K Bank Credit Card – How To Apply 

You can apply for a credit card either by sitting at home or by directly visiting the J and K Bank branch. The application process for the credit card is simple and convenient for the applicant. The processor application via online and offline mode is given below.

Online application process

Dialabank helps you in the process of application for a credit card. Our service will help you to choose the best credit card with more options and benefits. Our service is free of cost.

How to apply online?

  • Visit Dialabank website.
  • You will find a form provided on the page.
  • Fill in the details like name, contact number, address etc
  • Wait for some time, our representative will call you and will give you more information about the available credit cards and offers.
  • You can choose from the available options and apply for a credit card.

Offline Mode

You can also use the offline mode to apply for a credit card. You thus have to visit the bank branch to apply for a credit card.

  • Search for the nearest J &K bank branch on google.
  • Visit the Bank branch with the required documents.
  • Discuss with the officers and know more about the credit cards and offers.
  • Apply for the credit card.
  • Submit the required documents to support your application.
  • submit two passport size photographs too.

Reward Points offered on J &K Bank Credit cards

J &K Bank Gold Credit Card 1 loyalty point on purchase of Rs 200.
J &K Bank Platinum Credit Card 1 on purchase of Rs 200.
J &K Bank World Credit Card Loyalty Points: 1 on purchase of Rs 200.

 

J &K Bank Credit Card – Detailed Features and Benefits

There are many offers and benefits which each credit card offers. Also, the fees and charges might vary from one card to the other. Check the table to know more about each card.

J &K Bank Gold Credit Card

J &K Bank Gold Credit Card
Key Highlights All Merchant Establishments like shops who honour MasterCard™ Credit Cards.
Joining Fee NIL
Renewal Fee 250 rupees
Joining Bonus 20-50 day Credit Free Period
Suitable for Purchase, bill payments, travelling
Features and benefit
  • 1 loyalty point on purchase of Rs 200.
  • 20% of the credit limit subject to a maximum of 15000.
  • EMI Scheme on Credit card Purchases
  • fuel surcharge waiver every time you purchase fuel, subject to a maximum of Rs.5000 of Fuel purchase per month.
Rewards redemption option
  • While paying the annual fee
  • Exchange for a wide range of exciting gifts

J &K Bank Platinum Credit Card

J &K Bank Platinum Credit Card

Key Highlights All Merchant Establishments like shops who honour MasterCard™ Credit Cards.
Joining Fee NIL
Renewal Fee 250 rupees
Joining Bonus Welcome Aboard offers of Rs 4,000 across premium brands.
Suitable for Those who travel frequently
Features and benefit
  • emergency cash advances within 2 hours
  •  20% of the credit limit subject to a maximum of 1.6 lacs.
  • Global Concierge Services under which the cardholder can get MasterCard Global Emergency Services
  • fuel surcharge waiver every time you purchase fuel, subject to a maximum of Rs.5000 of Fuel purchase per month.
Rewards redemption option For payment of the annual fee or exchange them for a wide range of exciting gifts

J &K Bank World Credit Card

J &K Bank World Credit Card

Key Highlights All Merchant Establishments like shops who honour MasterCard™ Credit Cards.
Joining Fee NIL
Renewal Fee 250 rupees
Joining Bonus Welcome Aboard offers of Rs 10,000 across premium brands
Suitable for Those who travel abroad frequently.
Features and benefit
  •  20% of the credit limit subject to a maximum of 5 lakhs.
  • 2 Free Airport Lounge Access per year at select Domestic & International Airport Terminals in India
  • Access to Airport lounges abroad
  • Golf Program across select Golf Courses in India
  • emergency cash advances within 2 hours
  • fuel surcharge waiver every time you purchase fuel, subject to a maximum of Rs.5000 of Fuel purchase per month.
Rewards redemption option  For payment of the annual fee or exchange them for a wide range of exciting gifts.

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