Jammu and Kashmir Bank Credit Card
The Jammu and Kashmir Bank was incorporated in the year 1938. Also known as the J&K bank, the Jammu and Kashmir Bank has its corporate headquarters at Srinagar in Jammu and Kashmir. It is the only private sector bank which performs the banking business of the Central Government. It is therefore known as the RBI agent for banking business. Apart from that, it is the only bank which is designated to collect central taxes for CBDT.
The Jammu and Kashmir Bank was basically established to increase the amount of loan products in the home state. The bank was established to deliver exemplary financial solutions to small and medium enterprises and households. The bank is listed on the BSE and the NSE. The Jammu and Kashmir Bank has a record of consistent dividends and profits for the past several years.
The J&K bank provides a huge plethora of personal banking services which include loans, fixed deposits, credit cards, tax products, mutual funds, non resident banking and many more.
The Jammu and Kashmir Bank Credit Cards include the empowerment credit cards. These credit cards are further categorized into three varieties which include the Blue empowerment credit card, Silver empowerment credit card and the Gold empowerment credit card. The credit limit for these cards varies from one another. The bank also offers add-on credit cards to the customers at a fee of Rs 150.
Jammu and Kashmir Bank Credit Card Eligibility and Documentation
- Card holder should be in the age bracket of 18 years to 70 years.
- Should have a fixed monthly income.
- Should have a good CIBIL credit score.
- Primary Card holder should be in the age bracket of 21 years to 65 years. Add-on Card holder should be 15 years and above
- Net Income - Rs. 15 lakh and above per annum
- Should be a resident of India
Documents required for getting J&K bank Credit Card:
- Pan Card Photocopy OR Form 60
- Latest Salary Slip, Form 16, Income Tax return copy as income proof
- Passport, driving license, ration card, etc for residence proof.
How to Apply for a Jammu and Kashmir Bank Credit Card
You can apply for a J&K credit card online by visiting the official website of the Jammu and Kashmir Bank, where under the 'Credit Card' section you can click on the 'Apply Online' section. You will be directed to a new page where you will have to enter details such as your name, address, email ID, and other details, and then click on 'Submit'. You will have to submit certain documents later which will be verified and if they are found to be correct, your application for a credit card will be approved and the card will be sent to your communication address. You can visit the nearest branch of Jammu and Kashmir Bank to apply for a credit card.
Jammu and Kashmir Bank Credit Card Interest Rates
Details of Jammu and Kashmir Bank Credit Card | Interest |
Credit card interest rate | 3% per month, 36% per annum |
Add-on card fee | Rs.150 |
Credit card minimum amount | Rs.25,000 |
Credit card maximum amount | Rs.1,00,000 |
Late fee charges |
|
Annual fees | Rs.300 |
Renewal card charges | Rs.250 |
*Note: All the rates are subject to change, therefore, customers are required to keep on checking the rates from time to time.
FAQs on Jammu and Kashmir Bank Credit Card
- Who can get a credit card from J&K bank?
J&K bank offers credit cards to salaried individuals with an income of above 80,000 and self employed individuals with an income of above 1, 50,000.
- What will be my credit limit?
The bank offers three types of empowerment credit cards with various limits. The Blue empowerment credit card includes a limit of 25,000, Silver empowerment credit card includes a limit of 50,000 and Gold empowerment credit card has a limit of 1, 00,000.
- What is the rate of interest charged on credit cards at J&K bank?
The bank charges an interest rate of 2.25% per month.
- Is there any annual fee associated with the credit card provided by the bank?
Yes, the bank charges an annual fee of Rs 300.
- Will there be any late payment fee charged on credit cards?
The bank charges a fee of Rs100 as penalty or late payment fees.
- Can I get an Add-on card? Does the bank charge any fees for add-on cards?
Yes, the J&K bank offers add-on credit cards to customers. It charges an amount of Rs 150/- as add-on card fee.
- Does the bank offer a grace period?
Yes, the bank offers a grace period of 20-50 days.
- Does the bank charge any renewal fee on credit cards?
The bank charges an amount of Rs250 as renewal fee on credit cards.
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