J&K Bank Platinum Credit Card

Jammu & Kashmir Bank · Open to apply

J&K Bank's everyday card: no joining fee and ₹500 a year, waived on ₹1 lakh of spend in the card year. From 2026-04-01 it earns 1 reward point per ₹100, 2 on online transactions, department stores, pharmacy and utilities, with a ₹500 voucher on ₹75,000 of quarterly spend and 2 domestic lounge visits a year. J&K Bank publishes no rupee value for its points, so they are valued at nothing here.

Annual fee
₹500 + GST a year
Joining fee
None
Fee waiver
Annual fee waived on ₹1,00,000 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 year
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Online transactions, 2 points per ₹100: 2 J&K Bank Reward Points per ₹100
  • Department store purchases, 2 points per ₹100: 2 J&K Bank Reward Points per ₹100
  • Pharmacy and medical spends, 2 points per ₹100: 2 J&K Bank Reward Points per ₹100
  • Utility payments, 2 points per ₹100: 2 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 500+GST" and "Renewal Fee 200+GST" for the Platinum card without saying when each applies; the card's section says the ₹500 annual fee is "charged once at the end of each year" and waived on ₹1 lakh of spend. The October 2025 schedule also listed an annual fee (then ₹300) and a ₹200 renewal fee "for all variants except Govt Employees". We use ₹500 a year.
  • cash limit: The card section and the credit policy give a cash limit of 20% of the credit limit (at most ₹80,000); the page's salient features say "Cash Withdrawal Facility upto 40% of total credit limit".

Terms the calculator does not value

  • J&K Bank publishes no rupee value for a reward point, so every point this card earns is valued at ₹0 and the card's value here is only its vouchers and fee. Points do have some value on the rewards portal.
  • The monthly 10% discount on utility bills (up to ₹50) is not valued: the page does not say how it is given or which billers count.
  • The "select transportation" MCCs excluded from rewards are not named; only tolls are excluded here.
  • J&K Bank publishes no MCC lists for its 2x categories (online, department stores, pharmacy, utilities) and does not say whether an online purchase in an excluded category earns 2x.

Sources

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