J&K Bank Eminent Credit Card

Jammu & Kashmir Bank · Open to apply

J&K Bank's premium card, formerly the World card: ₹1,500 a year (waived on ₹3 lakh of spend), a 1.99% forex markup, 1 reward point per ₹100 and 3 on online flights and hotels, apparel, dining and electronics, quarterly and annual milestone vouchers, and 2 domestic lounge visits a quarter plus 1 international every half-year. J&K Bank publishes no rupee value for its points, so they are valued at nothing here.

Annual fee
₹1,500 + GST a year
Joining fee
None
Fee waiver
Annual fee waived on ₹3,00,000 spend per card year
Base rate
1 reward point per ₹100: 1 J&K Bank Reward Points per ₹100
Lounges
Domestic: 2 visits a calendar quarter; International: 2 visits a calendar year
Forex markup
1.99%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Online flight and hotel bookings, 3 points per ₹100: 3 J&K Bank Reward Points per ₹100
  • Apparel, 3 points per ₹100: 3 J&K Bank Reward Points per ₹100
  • Dining, 3 points per ₹100: 3 J&K Bank Reward Points per ₹100
  • Electronics, 3 points per ₹100: 3 J&K Bank Reward Points per ₹100

Earns nothing on

  • No rewards on fuel
  • No rewards on insurance and educational institutions
  • No rewards on rent and wallet transactions
  • No rewards on select transportation and toll transactions

Where the sources disagree

  • annual and renewal fee: The fee table lists "Annual Fee 1500+GST" and "Renewal Fee 200+GST" for the Eminent (World) card without saying when each applies; the card's section says ₹1,500 "charged at the end of each year". The October 2025 schedule listed ₹1,000 and a ₹200 renewal fee for the World card. We use ₹1,500 a year.

Terms the calculator does not value

  • J&K Bank publishes no rupee value for a reward point, so every point is valued at ₹0 and the card's value here is only its vouchers, fee and forex markup.
  • The monthly ₹150 food delivery benefit (on ₹500 of food delivery spend) and the buy-one-get-one movie benefit (up to ₹500 a month) are not valued: the page does not say how they are delivered or which apps and cinemas qualify. Together they can be worth up to ₹7,800 a year.
  • The "select transportation" MCCs excluded from rewards are not named; only tolls are excluded here. J&K Bank publishes no MCC lists for the 3x categories.

Sources

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