Jammu And Kashmir Bank 
Credit Card

J&K Bank was incorporated in 1938. Headquartered in the capital city of Srinagar, Jammu and Kashmir in India, the bank is the only private sector bank authorised by the Reserve Bank of India to operate in the state on its behalf. J&K Bank thus acts as an RBI agent and undertakes banking activities of the Central Government in the state.

Besides enjoying monopoly in Jammu and Kashmir, the J&K Bank is equally entrenched in the rest of the country. Serving to Empower in letter and spirit, the bank provides a range of banking services that help to financially empower and uplift the society. J&K Bank operates in all realms of finance and is a one-stop bank for Personal, Business and NRI financial needs. J&K Bank is listed both on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE).

In its endeavour to reach out to every customer with par excellent financial solutions, the J&K Bank ventured into the flourishing credit card market in collaboration with the market leaders MasterCard. The J&K Bank Credit Card is specifically designed to meet the varied needs of individual and corporate clients. Besides providing convenient and secure access to money, the J&K Bank Credit Card offers numerous benefits, much to shopper?s delight.

The cards can be used both domestically and internationally.

J&K Bank offers two variants of its credit card namely the

• Empowerment Credit Card
• Global Credit Card

The Empowerment is further available in three variants

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

The Global Credit Card is further categorised in three variants

• Blue Global Credit Card
• Silver Global Credit Card
• Gold Global Credit Card

While the Empowerment Credit Card is EVM chip based, the Global Credit Card is the magnetic stripe-only version. As mandated by RBI, banks now have to replace old magnetic stripe-only credit cards with the latest EVM chip based cards.

The following are the salient features and benefits of both variants of the J&K Bank Credit Card

• Accepted nationally and internationally at all outlets accepting MasterCard.
• J&K Bank Credit Card allows you to withdraw instant cash up to 20% of the pre-sanctioned credit limit.
• Use J&K Bank Credit Card at all ATMs in India and across the globe where MasterCard is accepted to withdraw instant cash.
• Offers minimum of 20 days to a maximum of 50 days interest free credit period provided previous month?s due is paid in full.
• Offers revolving credit facility provided Minimum Amount Due is paid on every statement date.
• Enjoy the most competitive rates of finance charges.
• Enjoy attractive reward points of every purchase.
• Get SMS flash alerts on card usage and due date on your registered mobile number.
• One Time Password (OTP) for IVR transactions for added security.
• Make online payments using MasterCard Secure Code.
• Option to convert retail purchases into easy EMIs (only for Empowerment Credit Card).

The following are the detailed features of J&K Bank Credit Card

J&K Bank Credit Card offers reward points on every retail purchase. The reward points that accumulate on the card can be redeemed from time to time either for paying the annual fee of the card or in exchange of a vast variety of gifts. The rewards are the same for all variants of the J&K Bank Credit Card.

• Every purchase of 200 fetches 1 reward point.
• Reward points accrue in multiples of 200.
• Every use of the J&K Bank Credit Card nationally and internationally attracts reward points.
• Minimum reward point redemption value = 500 reward points.
• Unused Reward Points relapse automatically after 1 year.

The detailed fee structure as charged for different variants of J&K Bank Credit Card is listed below:

Empowerment Credit Card Fee Details

Global Credit Card Fee Details 

J&K Bank Credit Card Charges Details

The details of charges levied for J&K Bank Credit Card are as under.

J&K Bank Empowerment Credit Card Charge Structure:

J&K Bank Global Credit Card Charge Structure:

The J&K Bank Credit Card can be applied online as well as offline.

Online Application Method:

• To apply online the applicant should log on to the official website of the J&K Bank i.e. jkbank.com
• Navigate to the Credit Card section via the Personal Banking page.
• Click on the link Apply Online featuring on right corner of the page.
• Enter the required details and submit the application.

By filling and submitting the online application you authorise the bank and its officials to contact you and process your credit card application further.

Offline Application Method:

Applicant can drop a written application supported with the below mentioned documents at any of the J&K Bank branches across the country. The bank associates will contact the applicant for further processing of the application.

To apply for a J&K Bank Credit Card the applicant has to fulfil the eligibility criteria as mentioned below:

• Annual Income
  • For salaried people Above 80,000 p.a.
  • For self-employed people Above 1,50,000 p.a.
• Indian citizenship.
• Positive and healthy credit status.

The J&K Bank Credit Card application should be supported by the following documents:

Income Proof: The applicant must attach the requisite Income Tax Returns and bank account statement which clearly certify his/her annual income mentioned under the eligibility clause above.

Address Proof: Applicant must attach documents that testify the address of the applicant. Any one of the following documents can be used as address proof.

• Aadhaar Card
• Passport
• Driving License
• Electricity Bill
• Telephone Bill
• Bill for postpaid mobile phone connection
• Bill for piped gas
• Water bill

In case the Permanent address is different from contact address, documents must be submitted for both.

Identity Proof: Documents for photo identification proof must be submitted along with the credit card application. Any one of the following can be used for the purpose. Applicant must submit a self attested copy.

• Passport
• Voter ID Card
• Driving License
• Aadhaar Card 

J&K Bank Credit Card dues can be paid using any of the payments methods mentioned below:

• Cheque/Draft ? Payment can be made through cheque/draft issued in the favour of J&K Bank Credit Card No. XXXX(16 digit card number). Don?t forget to write your name and contact details on the reverse. The cheque/draft can be deposited at any J&K Bank branch.
• Auto Debit A J&K Bank account holder can authorise bank to deduct Minimum Amount Due or Total Amount Due on the due date directly from the bank account.
• Cash Deposit: Card dues can be paid over-the-counter at any J&K Bank branch across India.
• Standing Instructions: Authorise the bank to clear Minimum Amount Due or Total Amount Due from your bank account on a pre-specified date.