Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Jammu Kashmir Bank Credit Card Customer Care

    Jammu & Kashmir Bank provides the Empowerment Credit Card that includes the Blue Empowerment Card, the Silver Empowerment Card, and the Gold Empowerment Card. There is a customer assistance helpdesk that is available 24x7 for any of your queries or issues regarding your credit card. These are the different channels through which you can contact the bank for any credit card related issues.

    Jammu & Kashmir Bank Credit Card Customer Care Numbers

    These are the numbers to contact for credit card related queries:

    • 0194-2486424
    • 0194-2486427
    • 0194-2486149
    • 0194-2486151
    • 0194-2482463

    Bank has set up a 24 x 7 hour Customer Care Centre which can be accessed through Toll Free line 1800 890 2122 or 91194 2481936 /2481953.

    Jammu & Kashmir Bank Email Address Details

    You can send an email to the bank at for any issues related to your credit card.

    Jammu & Kashmir Bank Credit Card Grievance Redressal

    For redressal of grievances that have not been resolved at the customer helpline level, you can contact the Card Issuing and Acquiring Department, Corporate Headquarters with the details given below:

    Mr. Parvez Ahmad,

    Phone: 0194-2486427


    Grievance Nodal Officer for Credit Cards

    Mr. Towfeeq Ahmad

    0194 - 2502685

    Digital and Alternate Channels, Corporate Headquarters, Jammu and Kashmir Bank -

    Write to Jammu & Kashmir Bank

    You can write to the bank at the address given below:

    Mr. Rajesh Kumar Chibber,

    Interim Chairman and Managing Director,

    The Jammu & Kashmir Bank Ltd.,

    Corporate Headquarters,

    M.A. Road,

    Srinagar, J&K

    Jammu Kashmir Bank Nodal Office Details

    Nodal Office Location
    Kashmir Central I

    Zonal Office

    M.A Road Srinagar 190001(J&K)

    Phone(LL): 0194-2471042

    2452658, 2471723, 2484008.


    Kashmir Central II

    Zonal Office

    Industrial Estate Zainakote,

    Srinagar 190012(J&K)

    Phone(LL): 0194-2497735,

    2497736, 2497734


    Kashmir North

    Zonal Office

    Amargarh, Sopore 193201(J&K)

    Phone(LL): 01954-223595, 223596.


    Kashmir South I

    Zonal Office

    J&K Bank Building

    Pulwama 192301(J&K)

    Phone(LL): 01933-241204, 242226


    Kashmir South II

    Zonal Office

    Bakshiabad Kulgam 192123(J&K)

    Phone(LL): 01932-2227340


    Jammu Central I

    Zonal Office

    Rail Head Complex Jammu



    Jammu Central II

    Zonal Office

    Kathua Near Forest Protection


    Hatli Morh Kathua 184102

    Phone(LL): 01922-234663


    Jammu North I

    Zonal Office

    Khan Plaza Building Doda 182202



    Jammu North II

    Zonal Office

    Adarsh Colony Udhampur 182101



    Jammu West

    Zonal Office

    Opposite Tehsil Office

    Main Market Rajouri 185131



    Jammu Kashmir Bank Credit Card Customer Care FAQs

    1. How do I apply for a J&K Bank credit card?

      You can apply for a J&K Bank credit card by visiting their website. Once you click ‘Credit Cards’, you can follow the steps and choose the best one for yourself.

    2. How can I check the balance on my J&K credit card?

      You can check your credit card balance through net banking or by phone banking.

    3. How do I raise a complaint to the J&K Bank about issues related to my credit card?

      You can always write to about issues related to your credit card.

    4. Will the bank charge me a renewal fee on my credit card?

      You have to pay an annual fee of Rs.300 every year to maintain your J&K Bank credit card.

    5. How do I pay the bill for my J&K credit card online?

      You should visit the bank’s internet banking portal. Once you visit the portal, go to the payments sections and choose the bill that you want to pay.

    6. How do I check my J&K bank account balance?

      The J&K Bank balance enquiry service is available 24X7. You can always request a balance enquiry from your registered mobile number. You should give a missed call to 18001800234 and you will receive an SMS with the balance in your account.

    7. What process I should follow to hot-list my J&K bank credit card?

      You should call the Jammu Kashmir Bank Card Customer Care number and report the loss of your credit card. You can easily block your debit and credit cards, via the 24-hour emergency helpline number.

    8. How can I locate a J&K Bank?

      The bank has a list of addresses and numbers for locating a Jammu Kashmir Bank. You need to log into to the Jammu Kashmir Bank website and click on ‘Branch Locator’.

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