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J&K Bank Platinum Credit Card

J&K Bank Platinum Credit Card

 Card Details
Joining Fee: 

Renewal Fee: 

Card Type:

Reward Type:

Welcome Benefits:
0

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
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
  • 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?
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 Platinum 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

Recommended Credit Cards

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

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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