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J&K Bank Gold Credit Card

Product Details
Credit Card Name : 

J&K Bank Gold Credit Card

Bank Name :

J&K Bank

Type :

General Credit Card

Interest Rate : 

3% per month and APR (Annualized
Percentage Rate of 36%)

Eligibility :

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 have a good CIBIL credit score
Should be a resident of India

J&K Bank Gold Credit Card
Pros

Various benefits provided to customers by this card are: 

1. 20-50 days Credit Free Period 

2. Revolving Credit Facility on paying of minimum payment due in the same billing period. 

3.Hassle free Credit facility at competitive rate of interest. 

4.Cash Withdrawal Facility upto 40% of total credit limit. 

5.Loyalty programme 

6.24 Hour Customer Assistance. 

7.EMI Scheme on Credit card Purchases and outstanding balance. 

8. Credit Limit upto Rs. 30,000/- 

9. Waiver of Annual Charges subject to Min Purchase of Rs 50000.00 in a year

Cons
  • Limited add-on features. 

  • No welcome benefit is provided to new users. 

  • No domestic or international lounge access facility is available. 

  • No cashback offers are provided.

Pros & Cons
Welcome Benefits
None
Rewards System
  • 1 reward point = INR 1. 

  • Every time you use your card in India or abroad, you will earn 

  • 1 reward point on every Rs.200/- spent on the Card except on fuel purchase and cash withdrawal transactions.

  • Effective Cashback Rate: 1%

International Forex Markup

IFM- 3.50%

Welcome Benefits and Reward System
Special Features
None
Eligibility Criteria

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 have a good CIBIL credit score
Should be a resident of India

Benefits

Various benefits provided to customers by this card are: 

1.20-50 days Credit Free Period 

2.Revolving Credit Facility on paying of minimum payment due in the same billing period. 

3.Hassle free Credit facility at competitive rate of interest. 

4.Cash Withdrawal Facility upto 40% of total credit limit. 

5.Loyalty programme 

6.24 Hour Customer Assistance. 

7.EMI Scheme on Credit card Purchases and outstanding balance. 

8. Credit Limit upto Rs. 30,000/- 

9. Waiver of Annual Charges subject to Min Purchase of Rs 50000.00 in a year

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Online: Visit the Jammu and Kashmir Bank website and go to the Credit Cards section. Click on the "Apply Now" button for the J&K Bank Gold Credit Card. Fill in the online application form with your personal and financial details. Submit the application form and wait for approval. Required documents: Proof of identity (Aadhaar card, PAN card, or passport). Proof of income (salary slips, bank statements, or income tax returns). Proof of address (Aadhaar card, bank statement, or utility bill).
Contact Details

https://www.jkbank.com/
Toll Free line 1800 890 2122 or 91194 2481936 /2481953.

Account Opening and Procedure
J&K Bank Gold Credit Card

The J&K Bank Gold Credit Card might be a decent option for moderate spenders who value a general rewards program with some additional benefits like fuel surcharge waiver, airport lounge access, and accident insurance. However, the lower reward rate compared to premium cards, limited card network, limited redemption options, and lower point value might be drawbacks for those seeking higher value, wider benefits, or specific network coverage.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining fee: INR 0. 

  • Annual Fee: INR 200 

  • Cash withdrawal fee at ATM: 3% of transaction amount (subject to a minimum of Rs. 300. 

  • Late payment fee: INR 100) 

  • Interest Rates: 3% per month and APR (Annualised Percentage Rate of 36%) 

  • Late Payment Charges: Rs. 100/- 

  • Foreign Currency Transactions Fees: 3.5%. 

  • Reward Redemption Fees: Rs. 100/-

Fuel Surcharge
  • Offers a fuel surcharge waiver of up to Rs. 5,000 per month. 

  • To avail of the fuel surcharge waiver, you must make sure that your total fuel purchase for the month does not exceed Rs. 5,000. If your total fuel purchase exceeds Rs. 5,000, you will be charged a fuel surcharge of 1% of the amount that exceeds Rs. 5,000.

Billing Cycle

30 days

Fees & Charges
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