Jammu & Kashmir Bank credit cards are basic in benefits but good if you are an existing customer of the bank and want a basic credit card with less complex reward and benefits. The bank offers these credit cards free of cost to women who are an existing customer who is indulged in J&K Bank Pink Saving schemes.
Moreover, these credit cards are also being offered for free to the existing employees or retirees of J&K Bank without any joining, activation or annual fee. The cards have better reward value of Rs. 0.50 as compared to some other competing banks such as Punjab National Bank which offers credit cards with half the reward value than this.
Top Picks
| Best For | Card Name |
| Fuel | No particular card for Fuel |
| Travel | No particular card for Travel |
| Family | Gold Empowerment Credit Card, Silver Empowerment Credit Card, Blue Empowerment Credit Card |
| Premium | No particular card for Premium |
| Frequent Spenders | No particular card for Travel |
Best J&K Bank Credit Card for Family
| J&K Bank Gold Empowerment Credit Card |
Benefits
- Credit limit upto Rs. 1 Lac
- Joining fee of Rs. 300
- Fuel surcharge waiver of 1% on each fuel transaction, subject to maximum benefit of Rs. 125.
- 1 reward points on each Rs. 200
Bottomline
Best J&K Bank Credit Card for Family’s 1st Runner Up
| J&K Bank Silver Empowerment Credit Card |
Benefits
- Credit limit upto Rs. 50,000
- Joining fee of Rs. 300
- Fuel surcharge waiver of 1% on each fuel transaction, subject to maximum benefit of Rs. 125.
- 1 reward points on each Rs. 200
Bottomline
Best J&K Bank Credit Card for Family’s 2nd Runner Up
| J&K Bank Blue Empowerment Credit Card |
Benefits
- Credit limit upto Rs. 25,000
- Joining fee of Rs. 300
- Fuel surcharge waiver of 1% on each fuel transaction, subject to maximum benefit of Rs. 125.
- 1 reward points on each Rs. 200
Bottomline
Eligibility Criteria
- Primary cardholder should be at least 18 years at the time of loan application.
- A Salaried applicant should have an annual income of more than Rs. 80,000.
- A Self-Employed applicant should have an annual income of more than Rs. 1.50 Lacs.
Documentation
- Passport Size Photographs
- Identity Proof: Aadhaar Card, Voter ID Card, PAN Card,
- Address Proof
- Income Proof
J&K Bank Credit Cards Reward Points – Earn & Burn
| Spends | Gold Empowerment Card | Silver Empowerment Card | Blue Empowerment Card |
| Dining | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 |
| Departmental Stores | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 |
| Grocery Stores | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 |
| Travel | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 |
| Entertainment | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 |
| Utility Bill Payment | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 |
| Fuel | NIL | NIL | NIL |
| Online Shopping | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 |
| Partners | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 |
| International | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 | 1 Reward Points on every Rs.200 |
J&K Bank Credit Card Bill Payment
J&K Bank offers different payment methods to its credit cardholders to pay J&K Bank credit card bills including online and offline methods so that they can pay their credit card bills on time.
Pay J&K Bank Credit Card Bill through Cash at Bank of J&K Bank branch
- Visit your local J&K Bank branch.
- Fill a cash deposit slip. Enter your J&K Bank Credit Card number in the place of Account Number.
- Sign the slip and mention your phone number at the back of the slip.
- Submit the slip to the cash counter.
Pay J&K Bank Credit Card Bill through Cheque/Draft
- Write a cheque/draft in favour of your J&K Bank Credit Card – J&K Bank card No. XXXX XXXX XXXX XXXX (Your 16-digit credit card number).
- Sign the cheque and mention your phone number at the back of the cheque/draft.
- Drop the cheque/draft at the nearest MINC Bill boxes or at the nearest Axis Bank Branch.
Note: Make sure that the cheque is dropped in at least 4 days before the payment due date. The cheque is drawn on a local Bank and is not post dated.
Pay J&K Bank Credit Card Bill through J&K Bank Netbanking
- Click here to login to your J&K Bank internet banking services.
- After login, you’ll find an option named “Self Accounts Transfer” under “Transactions” on top. Choose the option to initiate a new fund transfer process
Pay J&K Bank Credit Card Bill through NEFT/RTGS
- Login your other banks’ net banking service and go to fund transfer option.
- Choose NEFT/RTGS Fund Transfer and add your J&K Bank Credit Card as payee. To add your card as payee, use the following details.
- Beneficiary Name – Name on the card
- Beneficiary Bank Name – J&K Bank
- Beneficiary Branch Name –
- IFSC code –
- Beneficiary Account number – Your 16-digit credit card number
- Now, go back to NEFT/RTGS payment option and select your J&K Bank credit card from the payee list.
- Enter the payment amount and confirm the payment.
Pay J&K Bank Credit Card Bill through Auto Debit
- Click here to download the Auto Debit form.
- Fill the form and attach the necessary documents
- Submit the card at your J&K Bank home branch.
J&K Bank Credit Cards – Fees & Charges
| Gold Empowerment Card | Silver Empowerment Card | Blue Empowerment Card | |
| Finance Charges | 3% per month | 3% per month | 3% per month |
| Cash Adv. Fee | 2.5% of the withdrawal amountMin Rs. 300 at J&K Bank ATMs and Min Rs. 200 at Others in India & USD5 Overseas | 2.5% of the withdrawal amountMin Rs. 300 at J&K Bank ATMs and Min Rs. 200 at Others in India & USD5 Overseas | 2.5% of the withdrawal amountMin Rs. 300 at J&K Bank ATMs and Min Rs. 200 at Others in India & USD5 Overseas |
| Annual Fee | Rs. 400 | Rs. 400 | Rs. 400 |
Other Charges
| Charge | Amount |
| Add-on Card Fee | Rs. 400 Annually (Rs. 300 for Activation) |
| Foreign transaction fee | 3.5% of the transaction value in INR |
| Late Fee | Rs. 100 |
| Minimum Payment | 5% of the bill amount |
| Over-limit fee | 2.5% of the overlimit amountMin Rs. 400 |
| Returned payment fee | Rs. 100 per instance |
| Card Replacement Charges | Rs. 200 |
| EMI Conversion Charges | 12% to 13.50% ROI |
| Balance Transfer Charges |
How To Apply for an J&K Bank Credit Card?
- Select a J&K Bank Credit Card as per your preferences from above.
- Click on “Apply Now” and fill the Online Application Form. You’ll be asked to provide some personal details such as your Address, Contact, Income, Employer Details, Educational Qualifications.
- Once the application form is submitted successfully, you will receive a confirmation from J&K Bank.
Note: If your application got rejected, you would be able to apply after 3 months of your previous application.
FAQs
How do I contact J&K Bank Credit Card Customer Support?
0194- 2486424, 2486427, 2486149, 2486151, 2482463 (24 Hour Helpdesk)
How do I hotlist my J&K Bank Credit Card?
Charges Rs. 100
1800220600 (Toll-Free) / +91-194-2481936 or +91-194-2481953 (24 Hour Helpdesk)
Billing cycle 21st to 20th
Payment due date 10th of each month
Check J&K Bank Credit Card Bill
- Click here to go to the Credit Card e-Bill page of J&K Bank.
SMS Alert registration form: https://www.jkbank.com/pdfs/forms/SMS%20alert%20form.pdf