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 offer 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

J & k Bank 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 Card 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 the 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 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 honor 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 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

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FAQs on J&k Bank Credit Card

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

The eligible credit card limit for J&K Bank credit cards is different depending on the type of card issued to the customer. The limits of J&K Bank credit cards are tabled below,

Type of Card Minimum Limit  Maximum Limit
Gold Credit Card NA Rs.75,000
Platinum Credit Card Rs. 75,000 Rs. 8,00,000
World Credit Card Rs. 8,00,000 Rs. 25,00,000

 

Who is eligible for add on credit cards of J&K Bank?

The add on credit cards of J&K bank can be availed for the immediate family members of the primary cardholder.

How can I get a J&K bank Credit Card?

Customers can apply for a J&K Bank credit card by contacting the bank through their branch or by contacting their customer care service. Alternatively, the customers can also apply for the credit card through the website of the bank or through the internet banking or mobile banking facility of the Bank.

How to clear credit card dues of J&K Bank credit card?

Card Holders can clear their credit card dues of J&K Bank credit cards through any of the following modes,

  • Cash payment at Business Units of J&K Bank
  • Cheques or DD
  • Internet Banking
  • Mobile Banking
  • Auto Debits from J&K Bank Savings or Current Account

Can a person with no income apply for a J&K Bank credit card?

It is not advised to apply for a credit card without any steady source of income. Most banks reject such applications as these applicants are considered high-risk candidates.

Can a person having a fixed deposit with J&K Bank be eligible for a credit card of the bank without any other source of income?

Many banks issue a credit card to a person having a fixed deposit with the bank even if there is no steady source of income. The bank sets specific guidelines in this regard with respect to the minimum amount of such FD required to be eligible. Customers can contact J&K Bank at their nearest branch or through their customer care service to inquire about credit card eligibility if an FD is held by such a customer with the bank.

Can a person who already have a credit card from J&K bank apply for an additional card?

Yes. An existing cardholder can apply for an additional card from the bank. There is no express restriction for the same. However, the customer has to ensure that the dues of all the cards held by him/her are cleared timely to maintain the credit health of such a customer.

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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