J&K Bank Credit Cards

Top 3 J&K Bank Credit Cards

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

Name	Annual Fee	Minimum Income Required
J&K Bank Gold Credit Card	Rs.300	Rs.80,000 Per annum
J&K Bank Platinum Credit Card	Rs.300	Rs.80,000 per annum
J&K Bank World Credit Card	Rs.300	Rs.80,000 per annum

Types of Credit Cards offered by J&K Bank

Jammu And Kashmir Bank offers 3 types of credit cards that can be used for purposes like bill payments, ticket booking, shopping, purchasing, etc. You will get rewards on the purchase you make using J&K Bank Credit Cards.

Apply for J&K Bank World Credit Card

You can use these cards for shopping, travel, 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 Cards 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	Minimum Anual Income
J &K Bank Gold Credit Card	Rs.80,000 p.a
J &K Bank Platinum Credit Card	Rs.80,000 p.a
J &K Bank World Credit Card	Rs.80,000 p.a

J&K Bank Credit Cards Fees and Charges

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

J&K Bank Credit Cards 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
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 Cards – 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 applying 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 a credit card.
• Submit the required documents to support your application.
• submit two passport size photographs too.

Why choose J&K Bank Credit Cards?

J&K Bank provides a variety of credit card options, each one designed to fulfil a particular need. J &K Bank Gold Credit Card, J &K Bank Platinum Credit Card, and J &K Bank World Credit Card are among the options available to customers. Many of these credit cards come with a slew of perks that include unique perks and banking advantages. Credit cards from the J&K Bank come with a slew of benefits, including EMI options, global recognition, higher credit limits, and flexible credit options. The J&K Bank Credit Cards requires minimal documentation.

J&K Bank Credit Card Rewards Programme

Name Of the card	Rewards Points Offer on the Card
J &K Bank Gold Credit Card	1 loyalty point on purchase of Rs 200.
J &K Bank Platinum Credit Card	1 reward point on purchase of Rs 200.
J &K Bank World Credit Card	Loyalty Points: 1 on purchase of Rs 200.

J&K Bank Credit Card Offers

Credit cards have been ingrained in our culture. In the market for various forms of credit cards, we are spoiled for options. With so many credit card deals available, it has become a popular method of financial transaction payment. One can take advantage of a variety of credit card benefits. It is quickly becoming a valuable financial asset in our lives.

The majority of major credit card companies have partnerships with luxury brands, merchandise partners, exclusive dining, travel & hotel privileges, movie tickets, and cashback. Credit cards extend credit and thereby assist us in managing our financial needs in the interim.

Features and Benefits of Top 10 J&K Bank Credit Cards

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 that honour MasterCard™ Credit Cards.
Joining Fee	NIL
Renewal Fee	250 rupees
Joining Bonus	20-50 days 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 is 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 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 Rs 10,000 across premium brands
Suitable for	Those who travel abroad frequently.
Features and benefit	20% of the credit limit is 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.

How to check J&K Bank Credit Card Status?

You must go to the credit cards section of the Jammu and Kashmir Bank’s official website. You must enter the mobile number that you used to apply for a credit card. An OTP is usually used to verify a mobile number. You can check the status of your credit card application after it has been checked.

J&K Bank Credit Card Customer Care

J&K Bank has set up a 24 x 7-hour Customer Care Centre which can be accessed through Toll-Free line 18001800234 or 91194 2481936 /2481953. Contact Dialabank at 9878981166 for an easier application process

FAQs on J&K Bank Credit Cards

✅ What is the eligible credit card limit of J&K Bank credit cards?

News for J&K Bank

The planned Rs 500 crore capital injection from the government has been postponed by J&K Bank’s board of directors.

J&K Bank has postponed its board meeting to address the state government’s request for a Rs 500 crore capital infusion. The bank’s board of directors meeting scheduled for Wednesday, May 12, 2021, to consider/discuss the government of Jammu & Kashmir’s proposed capital infusion of Rs 500 crore in the bank has been postponed, according to a regulatory filing.

The administration of J&K has announced assistance for those affected by the pandemic.

Jammu and Kashmir Lieutenant-Governor Manoj Sinha announced steps on Tuesday to assist families who have lost loved ones to the pandemic, including a pension for senior citizens and scholarships for children. The government stated that it has agreed to reach out to any family in this situation and that they will be given financial assistance to start their own business.

The board of directors of J&K Bank will meet next week to discuss capital raising.

As a promoter shareholder, the Jammu and Kashmir government will invest up to Rs 500 crore in Jammu and Kashmir Bank NSE 0.36 per cent (J&K Bank). The public sector lender said in a regulatory filing that its board of directors will meet next week to discuss the request.

 

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