J&K Bank Gold Credit Card
Rewards & Benefits
Welcome Benefits
Milestone Benefits
Cashback Rate
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 purchases and cash withdrawal transactions. Effective cashback rate: 0.50%.
Movie Benefits
Dining Benefits
Other Benefits
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 Facility upto 40% of total credit limit. 5.Loyalty programme 6.24 Hour Customer Assistance. 7.EMI Scheme on Credit card Purchases and outstanding balance. 8. Credit Limit upto Rs. 30,000/- 9. Waiver of Annual Charges subject to Min Purchase of Rs 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; Hassle free Credit facility at competitive rate of interest; 4; Cash Withdrawal Facility upto 40% of total credit limit; 5; Loyalty programme6; 24 Hour Customer Assistance; 7; EMI Scheme on Credit card Purchases and outstanding balance; 8; Credit Limit upto Rs; 30,000/-9; Waiver of Annual Charges subject to Min Purchase of Rs 50000; 00 in a year
Lounge Access
Fees & Charges
Joining Fee
INR 0.
Annual Fee
INR 200
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 fee: INR 100) | Late Payment Charges: Rs. 100/-
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Reward Redemption Fees: Rs. 100/-
दोष
Limited add-on features.
No welcome benefit is provided to new users.
No domestic or international lounge access facility is available.
No cashback offers are provided.
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 Facility upto 40% of total credit limit.
5.Loyalty programme
6.24 Hour Customer Assistance.
7.EMI Scheme on Credit card Purchases and outstanding balance.
8. Credit Limit upto Rs. 30,000/-
9. Waiver of Annual Charges subject to Min Purchase of Rs 50000.00 in a year
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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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
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
सम्पर्क करने का विवरण
https://www.jkbank.com/
Toll Free line 1800 890 2122 or 91194 2481936 /2481953.
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
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 Facility upto 40% of total credit limit.
5.Loyalty programme
6.24 Hour Customer Assistance.
7.EMI Scheme on Credit card Purchases and outstanding balance.
8. Credit Limit upto Rs. 30,000/-
9. Waiver of Annual Charges subject to Min Purchase of Rs 50000.00 in a year
Limited add-on features.
No welcome benefit is provided to new users.
No domestic or international lounge access facility is available.
No cashback offers are provided.
The J&K Bank Gold Credit Card might be a decent option for moderate spenders who value a general rewards program with some additional benefits like fuel surcharge waiver, airport lounge access, and accident insurance. However, the lower reward rate compared to premium cards, limited card network, limited redemption options, and lower point value might be drawbacks for those seeking higher value, wider benefits, or specific network coverage.
The J&K Bank Gold Credit Card might be a decent option for moderate spenders who value a general rewards program with some additional benefits like fuel surcharge waiver, airport lounge access, and accident insurance. However, the lower reward rate compared to premium cards, limited card network, limited redemption options, and lower point value might be drawbacks for those seeking higher value, wider benefits, or specific 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
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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