JK Bank Credit Card

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JK Bank Credit Card

About J&K Bank Credit Card

JK Bank Credit Card

Customer Benefits: J&K Bank Credit Card

  • 20-50 day Credit Free Period *
  • Revolving Credit Facility on paying of the minimum payment due in the same billing period. *
  • Hassle-free credit facility at a competitive rate of interest. *
  • Cash Withdrawal Facility up to 20% of the total credit limit.
  • Loyalty programme
  • MasterCard SecureCode enabled 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 that honour MasterCard Credit Cards.
  • All ATM’s which accept MasterCard™ Credit Cards.

Eligibility: J&K Bank Credit Cards

  • Annual Income
    • For Salaried -Above  80,000.00
    • For Self Employed -Above  1,50,000.00

Documentation: J&K Bank Credit Cards

  • Income Proof
  • Address Proof
  • Identity Proof

Credit Limits

  • Blue Empowerment Card- Up to 25,000.00
  • Silver Empowerment Card-Up to 50,000.00
  • Gold Empowerment Card-Up to 1,00,000.00

Rate of Interest: J&K Bank Credit Cards

  • 2.25% per month

Annual Fee: J&K Bank Credit Cards

  • 300

Renewal Fee

  • 250

Add-on Card Fee

  • 150

Fuel Surcharge

  • Waived Off

Late Fee: J&K Bank Credit Cards

  • 100

Cash Withdrawal Charges: J&K Bank Credit Cards

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

One Time Password(OTP) for IVR transactions

  • Effective January 1, 2011, as mandated by the 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 visiting and 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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