J&K Bank Gold Credit Card

Rewards & cashback

• 1 reward point = ₹1
• Every time you use your card in India or abroad, you 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

• Various benefits provided to customers by this card are: 1.20-50 days Credit Free Period 2.Revolving Credit Facility on paying of minimum payment due in the same billing period. 3.Hassle free Credit facility at competitive rate of interest. 4.Cash Withdrawal…
• Credit Limit upto ₹30,000/- 9
• Waiver of Annual Charges subject to Min Purchase of ₹50000.00 in a year; Various benefits provided to customers by this card are:1; 20-50 days Credit Free Period2; Revolving Credit Facility on paying of minimum payment due in the same billing period; 3;…

Fees & charges

Joining fee

Nil

Annual fee

₹200

Foreign currency markup

IFM- 3.50%

Interest rate

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

Late payment

₹100) | Late Payment Charges: ₹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 Gold 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)