J&K Bank Platinum Credit Card
MyRupaya Ratings
Product Details
Credit Card Name :
J&K Bank Platinum Credit Card
Bank Name :
J&K Bank
Type :
Lifestyle 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
Pros
Welcome Offer- Avail welcome abroad offers of Rs.4000 across premium brands.
Cash Limit- Get 20% of the credit limit subject to a maximum of Rs.1.6 lakh.
Credit Limit: Above Rs 30000 upto Rs 4 lacs Concierge Services- Avail the global concierge services in which you can get Mastercard Global Emergency Services for any card-related needs, like emergency cash advances within 2 hours, card replacement within 24 hours in the U.S. and in 48 hours worldwide.
Waiver of Annual Charges subject to Min Purchase of Rs 75000.00 in a year
20-50 days Credit Free Period Revolving Credit Facility on paying of minimum payment due in the same billing period.
Hassle free Credit facility at competitive rate of interest.
Cash Withdrawal Facility upto 40% of total credit limit.
Loyalty programme 24 Hour Customer Assistance.
EMI Scheme on Credit card Purchases and outstanding balance.
Cons
Limited add-on features.
No domestic or international lounge access facility is available.
No cashback offers are provided.
Pros & Cons
Welcome Benefits
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
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
Welcome Offer- Avail welcome abroad offers of Rs.4000 across premium brands.
Cash Limit- Get 20% of the credit limit subject to a maximum of Rs.1.6 lakh.
Credit Limit: Above Rs 30000 upto Rs 4 lacs Concierge Services- Avail the global concierge services in which you can get Mastercard Global Emergency Services for any card-related needs, like emergency cash advances within 2 hours, card replacement within 24 hours in the U.S. and in 48 hours worldwide.
Waiver of Annual Charges subject to Min Purchase of Rs 75000.00 in a year 20-50 days Credit Free Period
Revolving Credit Facility on paying of minimum payment due in the same billing period.
Hassle free Credit facility at competitive rate of interest.
Cash Withdrawal Facility upto 40% of total credit limit.
Loyalty programme 24 Hour Customer Assistance.
EMI Scheme on Credit card Purchases and outstanding balance.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Contact Details
https://www.jkbank.com/
Toll Free line 1800 890 2122 or 91194 2481936 /2481953.
Account Opening and Procedure
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Offer- Avail welcome abroad offers of Rs.4000 across premium brands.
Cash Limit- Get 20% of the credit limit subject to a maximum of Rs.1.6 lakh.
Credit Limit: Above Rs 30000 upto Rs 4 lacs Concierge Services- Avail the global concierge services in which you can get Mastercard Global Emergency Services for any card-related needs, like emergency cash advances within 2 hours, card replacement within 24 hours in the U.S. and in 48 hours worldwide.
Waiver of Annual Charges subject to Min Purchase of Rs 75000.00 in a year
20-50 days Credit Free Period Revolving Credit Facility on paying of minimum payment due in the same billing period.
Hassle free Credit facility at competitive rate of interest.
Cash Withdrawal Facility upto 40% of total credit limit.
Loyalty programme 24 Hour Customer Assistance.
EMI Scheme on Credit card Purchases and outstanding balance.
Limited add-on features.
No domestic or international lounge access facility is available.
No cashback offers are provided.
HDFC Bank Biz Power Credit Card
The card is a premium credit card with a number of value add features. This card offers cashback on even tax and GST payment. Overall it is a must have card for small business owners/ freelancers.
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
Billing Cycle
30 days