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Jammu and Kashmir Bank Credit Card

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.

Updated On - 28 Aug 2026

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 currently offered under three variants - the Platinum Card, Platinum Privilege Card and Eminent (World) Card, as of July 2026 - which replaced the earlier Blue/Silver/Gold Empowerment card lineup. The credit limit varies by card variant, from up to Rs.4 lakh (Platinum) to Rs.4-25 lakh (Eminent/World).

Eligibility for Jammu and Kashmir Bank Credit Card

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	The bank offers add-on credit cards to customers at NIL joining fee, with annual/renewal fees matching the primary card's fee structure.
Credit card minimum amount	Rs.25,000
Credit card maximum amount	Rs.1,00,000
Late fee charges	Up to Rs: 100: NIL Above Rs: 100 : Rs. 250
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.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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FAQs on Jammu and Kashmir Bank Credit Card

1.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.

2.What will be my credit limit?

The bank offers three main credit card variants with different limits: the Platinum Card (credit limit up to Rs.4 lakh), the Platinum Privilege Card (credit limit up to Rs.8 lakh), and the Eminent/World Card (credit limit from Rs.4 lakh to Rs.25 lakh).

3.What is the rate of interest charged on credit cards at J&K bank?

The bank charges an interest rate of 3% per month (36% per annum).

4.Is there any annual fee associated with the credit card provided by the bank?

Yes, the bank charges an annual fee of Rs 300.

5.Will there be any late payment fee charged on credit cards?

The bank charges a fee of Rs100 as penalty or late payment fees.

6.Can I get an Add-on card? Does the bank charge any fees for add-on cards?

The bank does not charge an add-on card fee - add-on cards are issued at NIL joining fee.

7.Does the bank offer a grace period?

Yes, the bank offers a grace period of 20-50 days.

8.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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