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Jammu & Kashmir BankJammu & Kashmir Bank

J&K Bank Platinum Credit Card

TravelLifestyleShoppingFuel
Welcome offerNo specific introductory offer published; standard Platinum tier benefits apply.
Annual fee
₹ 500
Reward rate
1 point per ₹100 spent
Credit score
750+
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Free to apply via CardGuruji · subject to issuer approval

J&K Bank Platinum Credit Card
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Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

1 point per ₹100 spent

Points can be redeemed for statement credit or merchandise. 1 point = ₹1 value typically.

Reward currency
Points
Card network
Visa · Mastercard
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • Fuel surcharge waiver

  • Dining offers

  • Travel insurance

  • Concierge services

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Low annual fee

  • Standard Platinum benefits

What to watch out for

  • Limited cashback compared to premium cards

  • Fewer lounge access benefits

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹500Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
₹500
Foreign currency markup
3.5% of transaction value
Late payment
₹300 to ₹1,300 based on due amount
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.5% per month (42% p.a.)
Balance transfer
3.5% per month
Cash advance
3.5% per month

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Jammu & Kashmir Bank before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

750+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of Jammu & Kashmir Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about J&K Bank Platinum Credit Card

Everything you need to know about J&K Bank Platinum Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for J&K Bank Platinum Credit Card is nominal, and the annual renewal fee is ₹500 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for J&K Bank Platinum Credit Card from Jammu & Kashmir Bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

J&K Bank Platinum Credit Card is designed to reward everyday spends. It currently features: "No specific introductory offer published; standard Platinum tier benefits apply.". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via Jammu & Kashmir Bank's rewards portal.

J&K Bank Platinum Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for J&K Bank Platinum Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.