J&K Bank Gold Credit Card
Jammu & Kashmir Bank · Closed to new applicants
An older J&K Bank card still priced in the bank's schedule: no joining fee and ₹200 a year, waived on purchases above ₹50,000 in the year, with a 3.5% forex markup. It got none of the 2026 revamp's benefits, and its reward rate is not published (the general terms say points accrue on all spends except fuel and cash withdrawals).
- Annual fee
- ₹200 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹50,001 spend per card year
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- Terms not entered, checked 6 Nov 2026
Terms the calculator does not value
- The Gold card's reward rate is not published. The general cardholder terms say points accrue on every spend except fuel and cash withdrawals and last 3 years; the older terms give 1 point per ₹200 for J&K Bank cards without naming the variant. J&K Bank publishes no rupee value per point.
Sources
- J&K Bank Credit Cards page (Schedule of Fee & Charges, cardholder terms) (Product page, the bank's own, read 6 Nov 2026)
- J&K Bank Service Charges Schedule (consolidated), section M Credit Card Service Charges (PDF dated 2025-10-28) (Schedule of charges, the bank's own, read 6 Nov 2026)
- J&K Bank Credit Card Policy, version 5.0 (PDF dated 2024-08-23), types of cards and tariff (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- J&K Bank cardholder terms and conditions on the Grievance Redressal page (reward programme, 1 point per ₹200) (Most important terms (MITC), the bank's own, read 6 Nov 2026)