J&K Bank Credit Card Apply, Interest Rate, Eligibility & Benefits

J&K Bank Credit Card Apply, Interest Rate, Eligibility & Benefits: Hi friends, welcome again on Fastread, With the help of credit card, you can make any kind of your payment online or offline. The benefits of credit cards are of many types. In this article, we will know in detail what is J&K Bank Credit Card, eligibility for this card, what are the documents and how can we apply for this card etc., so you can read this article till the end.

J&K Bank Credit Card Review

Before applying for JK Bank Credit Card, it is important for you to know what a credit card is. A credit card is a financial instrument that allows customers to make payments without making immediate payments. In the credit card, a limit is given to the customers by the bank, which is called the credit card limit (J&K Bank Credit Card limit). You cannot pay more than this limit.

This limit given to the customers is given to them by their CIBIL score is given on the basis of factors like income, credit history. If your income is very good and your CIBIL score is very good, then you can get the card of higher limit. You can apply for J&K Bank Credit Card both online and offline.

The bank offers various types of credit cards according to the needs of the customers. The eligibility features etc. may be different for different cards. You can easily apply for the card you want to take advantage of. For more information about the credit card, you can also get information by calling the Jammu and Kashmir Bank credit card customer care number.

Also read: HSBC Credit Card

J&K Bank Credit Card Types:

The bank offers several types of credit cards. You can find out the best J&K Bank Credit Card for yourself by comparing between different credit cards . This card is as follows:

• Gold Credit Card ( J&K Gold Credit Card)
• Platinum Credit Card ( J&K Platinum Credit Card)
• World Credit Card ( J&K World Credit Card)

Also read: Bank of Maharashtra Credit Card

Gold Credit Card:

Benefits and Features:

• The credit limit of this card is up to Rs 75000 .
• can withdraw cash up to a maximum of 20% of the credit limit or up to a maximum of Rs 15000 .
• Loyalty Points: 1 on purchase of Rs.200

Platinum Credit Card:

Benefits and Features:

• credit limit of this JK Platinum Credit Card is more than Rs 75000 and up to Rs 8 lakh.
• 20% of the credit limit and a maximum of 1.6 lakhs You can withdraw cash up to Rs.
• 4,000 off on Welcome Aboard Premium Brands .
• Loyalty Points: 1 on purchase of Rs.200
• for any card related needs including emergency cash advance within 2 hours and card replacement within 24 hours in the US and 48 hours worldwide.

World Credit Card:

Benefits and Features:

• credit limit of this JK World Credit Card is from Rs.8 lakh to Rs.25 lakh.
• 20% of the credit limit or up to a maximum of Rs 5 lakh.
• Rs.10,000 off on Welcome Aboard across premium brands .
• 2 free airport lounge access per year at select domestic and international airport terminals in India with this card .
• Airport lounge access at exotic locations.

J&K Bank Credit Card Eligibility

You can apply for JK Bank Credit Card only if you fulfill its eligibility. The eligibility for credit card apply is as follows:

• Applicant’s age should be 18 years or above.
• The customer must be a resident of India.
• You should have a stable employment that is earning you a decent income.
• The CIBIL score of the applicant should be very good.
• Other eligibility

Benefits and Features of J&K Bank Credit Card

• With this card, customers get a credit free period of 20-50 days.
• Revolving credit facility on payment of minimum payment due in the same billing period.
• JK Credit Card you get the benefit of hassle free loan facility at competitive interest rate.
• can withdraw cash up to 20% of the credit limit .
• If you have a credit card then you do not need to carry cash with you.
• EMI for shopping using credit card benefit of convenience.
• You can get credit card related information anytime by calling the customer care number of the bank.
• If your credit card is lost or stolen somewhere, then inform the bank within 24 hours so that your credit card will be blocked and no one will be able to make wrong payment from your credit card.

Also read: Canara Bank Credit Card

Jammu and Kashmir Bank Credit Card Documents required

Before applying for a credit card, you should keep all your documents together so that whenever the bank asks for documents from you, you can show them all the documents immediately. For more information about the document, you can also contact your nearest bank branch. The documents for applying for a credit card are as follows:

• Proof of Identity: Aadhar Card , Voter ID Card , Passport , Driving License , Ration Card etc.
• Address Proof: Voter ID Card , Aadhar Card , Pan Card , Ration Card , NREGA Job Card , Electricity Bill etc.
• proof of income
• pan card
• passport size photo
• Other Documents

J&K Bank Credit Card Apply

If you fulfill all the conditions of the credit card, then you can apply for it both online and offline. To apply, follow the steps given below:

J&K Bank Credit Card apply online

• First you need to visit the official website of the bank jkbank.com But have to come.
• After visiting the website, you Credit Card Click on the option.

• After clicking, all the information related to the credit card will come in front of you on the next page.
• To apply, click on the option of Apply Online.
• The form will open in front of you.
• Enter the requested information in it and click on submit.
• After this the bank will contact you and will issue the further process.

How to apply offline ?

• To apply offline, you have to first go to your nearest Jammu and Kashmir Bank branch.
• Go to the bank and contact the bank employee who will provide you complete information about the credit card.
• Then your documents will be verified.
• You will be given a form, that form has to be filled correctly and documents have to be submitted in the bank.
• If your application is accepted, you will be issued a card.

Also read: IDBI Bank Credit Card

Jammu and Kashmir Bank Credit Card Fees, Intrest Rate & Charges

When you take a credit card, you have to pay many types of fees and charges on it, about which information is given here:

interest free credit period	50 days
Finance Charges/Interest Rate (Purchase/Cash)	3% per month and APR ( annual percentage rate of 36% )
Minimum Payment Payable on Revolving Credit	of the actual balance in the month or 5% of the card limit + 100% of the usage over the limit
statement date	20th of every month
payment due date	9th or 10th of the next date and 12th in case of February
cash advance against credit limit	20% of credit limit
Cash advance charges at our bank’s ATMs from the date of transaction	3% of the amount
late payment fee	100 rupees
Charges for exceeding credit limit	2.5% of the amount
recovery of charge slips	100 rupees
PIN change fee	100 rupees
fuel surcharge	1% plus GST and 1% off on purchase of Rs.5000 per month
hot listing fee	zero

charge	gold card	platinum	World	Corporate
Admission Fee Primary/Add-on Card	Zero	Zero	Zero	Zero
Annual Fee Primary/Add-on Card	200	300	1000	500
Renewal Fee Primary/Add-on Card	200	200	200	200
Card replacement fee Primary/Add-on card	200	200	200	200
product upgrade fee	Zero	Zero	Zero	Zero
Limit Enhancement Fee for Primary/Add-on Card	Zero	Zero	Zero	Zero
Minimum Purchase Amount Required for Waiver of Annual Fee	above 50,000	above 75,000	Above 2,00,000	NA

Jammu and Kashmir Bank Credit Card Customer Care Number

If you are facing any problem in making a credit card or you want to get other information about the credit card, then you can get information by calling the customer care number of the bank.

• Customer Care Number: 1800 890 2122 / 91194 2481936 / 2481953

Also read: LIC Credit Card

My Last World:

In this article we have you Jammu and Kashmir Bank Credit Card Provided complete information about. Any person who wants to take advantage of the credit card of Jammu and Kashmir Bank can apply for the credit card by reading this article.

Hope friends, you have found this article informative. If you liked the information given in this article, then please share it as much as possible.

FAQs on J&K Bank Credit Card