J&K Bank World Credit Card
Rewards & Benefits
Welcome Benefits
Users will get welcome aboard offers of Rs 10,000 across premium brands.
Milestone Benefits
Cashback Rate
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%.
Movie Benefits
Dining Benefits
Other Benefits
Credit Limit: Above Rs 4 lacs upto Rs 25 lacs Cash Limit: 20% of credit limit subject to a maximum of 5 lacs.; MasterCard World card provides a Golf program across select Golf Courses in India, including both Golf games and Golf lessons.
Lounge Access
Fees & Charges
Joining Fee
INR 0.
Annual Fee
INR 1000
Cash Advance Fee
Cash withdrawal fee at ATM: 3% of transaction amount (subject to a minimum of Rs. 300.)
Interest rate
3% per month and APR (Annualized
Percentage Rate of 36%)
Late Payment Fee
Late Payment Charges: Rs. 100/-
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Reward Redemption Fees: Rs. 100/-
Cons
No cashback offers.
Welcome Benefit: Users will get welcome aboard offers of Rs 10,000 across premium brands.
Reward System: 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%.
Credit Limit: Above Rs 4 lacs upto Rs. 25 lacs Cash Limit: 20% of credit limit subject to a maximum of 5 lacs.
MasterCard World card provides a Golf program across select Golf Courses in India, including both Golf games and Golf lessons.
Rewards & Benifits
Welcome Benefits
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Rewards System
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International Forex Markup
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Welcome Benefits and Reward System
Special Features
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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
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:-
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Cons:-
Welcome Benefit: Users will get welcome aboard offers of Rs 10,000 across premium brands.
Reward System: 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%.
Credit Limit: Above Rs 4 lacs upto Rs. 25 lacs Cash Limit: 20% of credit limit subject to a maximum of 5 lacs.
MasterCard World card provides a Golf program across select Golf Courses in India, including both Golf games and Golf lessons.
No cashback offers.
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.
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
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
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Fuel Surcharge
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Billing Cycle
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