Jammu and Kashmir Bank Credit Card
Jammu and Kashmir Bank Credit Card is available in three variants — Platinum, Platinum Privilege and Eminent — with credit limits from Rs.4 lakh to Rs.25 lakh. The Platinum Privilege Card is reserved for government MOU employees, while the Platinum and Eminent cards suit other eligible salaried and self-employed applicants. All three variants charge 3% per month (36% p.a.) interest on revolving balances.
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
- 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.4 lakh (lowest ceiling, Platinum Card) |
Credit card maximum amount | Rs.25 lakh (highest ceiling, Eminent Card) |
Late fee charges |
|
Annual fees | Platinum: Rs.500 p.a.; Platinum Privilege: Nil; Eminent: Rs.1,500 p.a. |
Renewal card charges | Same as the applicable annual fee for each card variant (see above) |
Note: The interest rate and fees in this table are effective from 01 May 2026.
Jammu and Kashmir Bank Credit Card holders earn reward points on eligible spends: 1 reward point per Rs.100 on the Platinum and Eminent cards, with accelerated points on select categories such as dining, travel, apparel and electronics. Reward points are valid for three years from the date of the transaction.
The Eminent Card offers two complimentary domestic airport lounge visits per quarter and one international lounge visit every half-year, while the Platinum and Platinum Privilege cards offer complimentary domestic lounge access on a lower scale.
A foreign currency mark-up applies on transactions made in a currency other than Indian Rupees: 1.99% on the Platinum Privilege and Eminent cards, and 3.50% on the Platinum Card.
Summary
Jammu and Kashmir Bank Credit Card is available in three variants — Platinum, Platinum Privilege and Eminent — each with its own credit limit, fees and rewards structure. The card suits salaried and self-employed applicants as well as government MOU employees, with revolving credit, reward points and EMI conversion facilities. Applicants can apply online or at a Jammu and Kashmir Bank branch after submitting the required identity, income and address proof.
FAQs on Jammu and Kashmir Bank Credit Card
1.What is the Jammu and Kashmir Bank Credit Card?
The Jammu and Kashmir Bank Credit Card is a revolving credit facility offered by Jammu and Kashmir Bank across three variants — Platinum, Platinum Privilege and Eminent. Each variant carries its own credit limit and benefits, and can be used for purchases, cash withdrawals and EMI conversions.
2.Who is eligible for a Jammu and Kashmir Bank Credit Card?
Jammu and Kashmir Bank Credit Card eligibility generally covers salaried and self-employed applicants who meet the bank's age and income criteria. The Platinum Privilege Card is reserved for government MOU employees, while the Platinum and Eminent cards are open to other eligible applicants.
3.What are the different variants of the Jammu and Kashmir Bank Credit Card?
Jammu and Kashmir Bank offers its Credit Card in three variants: Platinum, Platinum Privilege and Eminent. The Platinum Privilege Card is exclusively for government MOU employees, while the Eminent Card is positioned as the bank's premium travel and lifestyle card.
4.What documents are required to apply for a Jammu and Kashmir Bank Credit Card?
Applicants for a Jammu and Kashmir Bank Credit Card need to submit identity proof such as a PAN card or Form 60, income proof like a salary slip, Form 16 or income tax return, and address proof such as a passport, driving licence or ration card. These documents are verified by the bank before the card is issued.
5.How can I apply for a Jammu and Kashmir Bank Credit Card?
You can apply for a Jammu and Kashmir Bank Credit Card online through the bank's official website by filling in your personal and contact details, or by visiting your nearest Jammu and Kashmir Bank branch. The application is processed once the bank verifies your submitted documents.
6.How is interest charged on the Jammu and Kashmir Bank Credit Card?
Interest on the Jammu and Kashmir Bank Credit Card is charged on the outstanding balance whenever the total amount due is not paid in full by the due date. The applicable rate is listed in the interest rate table above and is revised periodically by the bank.
7.Are annual and renewal fees charged on the Jammu and Kashmir Bank Credit Card?
Annual and renewal fees on the Jammu and Kashmir Bank Credit Card differ by card variant and are listed in the fee table above. Some variants also offer a fee waiver once the cardholder crosses an annual spending threshold set by the bank.
8.Can I get an add-on card with my Jammu and Kashmir Bank Credit Card?
Yes, Jammu and Kashmir Bank allows primary cardholders to issue add-on cards to immediate family members. The add-on cardholder enjoys the same benefits as the primary card but shares the same overall credit limit.
9.Does the Jammu and Kashmir Bank Credit Card offer an interest-free credit period?
Yes, the Jammu and Kashmir Bank Credit Card offers an interest-free credit period on purchases, provided the total amount due is paid in full by the payment due date. This benefit is not available if only the minimum amount due is paid.
10.What happens if I miss a payment on my Jammu and Kashmir Bank Credit Card?
Missing a payment on your Jammu and Kashmir Bank Credit Card attracts a late payment fee based on the outstanding amount, as listed in the fee table above. It can also result in the loss of the interest-free credit period on subsequent purchases.
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