
J&K Bank Platinum Credit Card
Card Details
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
Cons
Limited add-on features.
No domestic or international lounge access facility is available.
No cashback offers are provided.
Welcome Benefit: Users will get welcome abroad offers of Rs.4000 across premium brands.
Reward System: The value of 1 reward point = INR 1. Users will earn 1 reward point on every Rs.200/- spent on the card except on fuel purchases and cash withdrawal transactions. Effective cashback rate: 0.50%.
Users will get 20% of the credit limit subject to a maximum of Rs.1.6 lakh.
The annual fee will be waived on spending Rs.75000 in the previous year.
Cash withdrawal facility upto 40% of the total credit limit.
Loyalty programme 24-hour customer assistance.
EMI scheme on credit card purchases and outstanding balance.
Rewards & Benifits
Welcome Benefits
Welcome abroad offers of Rs.4000 across premium brands.
Rewards System
The value of 1 reward point = INR 1. Users will earn 1 reward point on every Rs.200/- spent on the card except on fuel purchases and cash withdrawal transactions. Effective cashback rate: 0.50%.
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



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Pros:-
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Cons:-
Welcome Benefit: Users will get welcome abroad offers of Rs.4000 across premium brands.
Reward System: The value of 1 reward point = INR 1. Users will earn 1 reward point on every Rs.200/- spent on the card except on fuel purchases and cash withdrawal transactions. Effective cashback rate: 0.50%.
Users will get 20% of the credit limit subject to a maximum of Rs.1.6 lakh.
The annual fee will be waived on spending Rs.75000 in the previous year.
Cash withdrawal facility upto 40% of the 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.
The J&K Bank Platinum Credit Card offers enhanced rewards and travel benefits compared to the Gold Card, making it suitable for frequent travellers and higher spenders who value airport lounge access, travel insurance, and accident insurance. However, the higher annual fee, limited network, limited redemption options, and lower point value might discourage moderate spenders or those seeking wider benefits or specific network coverage.
J&K Bank Platinum Credit Card

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