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J&K Bank World Credit Card

Product Details
Credit Card Name : 

J&K Bank World 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

J&K Bank World Credit Card
Pros
  • Credit Limit: Above Rs 4 lacs upto Rs. 25 lacs Cash Limit: 20% of credit limit subject to a maximum of 5 lacs. 

  • Welcome Aboard offers of Rs 10,000 across premium brands. Airport Lounge Access* 

  • MasterCard world card Golf Program across select Golf Courses in India, including both Golf games and Golf lessons. 

  • Premium Global Concierge Services under which the cardholder can get Mastercard Global Emergency Services for any card-related needs, including emergency cash advances within 2 hours and card replacements within 24 hours in the U.S. and 48 hours worldwide.

Cons
  • No cashback offers

Pros & Cons
Welcome Benefits
Welcome Aboard offers of Rs 10,000 across premium brands.
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
3.50%
Welcome Benefits and Reward System
Special Features
MasterCard world card Golf Program across select Golf Courses in India, including both Golf games and Golf lessons.
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
Credit Limit: Above Rs 4 lacs upto Rs. 25 lacs Cash Limit: 20% of credit limit subject to a maximum of 5 lacs. Welcome Aboard offers of Rs 10,000 across premium brands. Airport Lounge Access* MasterCard world card Golf Program across select Golf Courses in India, including both Golf games and Golf lessons. Premium Global Concierge Services under which the cardholder can get Mastercard Global Emergency Services for any card-related needs, including emergency cash advances within 2 hours and card replacements within 24 hours in the U.S. and 48 hours worldwide.
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 World 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 World Credit Card

The J&K Bank World Credit Card is a prestigious option for high-flying spenders who prioritize unlimited airport lounge access, comprehensive travel insurance, and top-tier rewards across most categories. The significant welcome bonus, fuel surcharge waiver, and accident insurance further add value. However, the hefty annual fee, limited network, limited redemption options, and potentially lower point value might not be ideal for moderate spenders or those seeking diverse benefits or wider 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 1000 

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

  • 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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