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J&K Bank World Credit Card

J&K Bank World Credit Card

उत्पाद विवरण
Joining Fee: 

Renewal Fee: 

Card Type:

Reward Type:

Welcome Benefits:
0

Rewards & Benefits

Welcome Benefits

 On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.

Milestone Benefits

annual fee reversal on spending inr 1,00,000 on the card.

Cashback Rate

cashback rate: 1. cashback rate: 1. cashback rate: 0.

Lounge Access

0

Movie Benefits

8

Dining Benefits

Other Benefits

reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.

दोष
  • 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. 

पक्ष विपक्ष
Welcome Benefits

Users will get welcome aboard offers of Rs 10,000 across premium brands.

पुरस्कार प्रणाली

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%.

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
3.50%
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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

फ़ायदे
  • Welcome benefits.

  • High credit limit.

  • Golf games benefits.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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).
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:-

  • 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.

J&K Bank World Credit Card

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

उत्पाद समीक्षा
फीस एवं प्रभार
  • 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/-

ईंधन अधिशुक्ल
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

फीस एवं प्रभार
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