J&K Bank World Credit Card

Welcome benefits

• Users will get welcome aboard offers of ₹10,000 across premium brands

Rewards & cashback

• 1 reward point = ₹1
• Users will earn 1 reward point on every ₹200/- spent on the card except on fuel purchases and cash withdrawal transactions
• Effective cashback rate: 0.50%

More benefits & features

• MasterCard world card Golf Program across select Golf Courses in India, including both Golf games and Golf lessons
• Credit Limit: Above ₹4 lacs upto ₹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

Fees & charges

Joining fee

Nil

Annual fee

₹1000

Foreign currency markup

3.50%

Interest rate

3% per month and APR (Annualised Percentage Rate of 36%)

Late payment

₹100/-

Cash advance

3% of transaction amount (subject to a minimum of ₹300.)

Fuel surcharge

Offers a fuel surcharge waiver of up to ₹5,000 per month. To avail of the fuel surcharge waiver, you must make sure…

Billing cycle

30 days

Other fees

₹100/-

Pros and cons

Who can apply

• 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 - ₹15 lakh and above per annum
• Should have a good CIBIL credit score
• Should be a resident of India

How to apply

1. Online:
2. Visit the Jammu and Kashmir Bank website and go to the Credit Cards section
3. Click on the "Apply Now" button for the J&K Bank World Credit Card
4. Fill in the online application form with your personal and financial details
5. Submit the application form and wait for approval
6. Required documents:
7. Proof of identity (Aadhaar card, PAN card, or passport)
8. Proof of income (salary slips, bank statements, or income tax returns)
9. Proof of address (Aadhaar card, bank statement, or utility bill)