J&K Bank Platinum Privilege Credit Card

Jammu & Kashmir Bank · Open to apply

J&K Bank's free card for government employees (formerly the Government Employees card): no fees, a 1.99% forex markup, 1 reward point per ₹100 on the first ₹15,000 of a month and 2 per ₹100 above it, quarterly vouchers from ₹30,000 of spend and 1 domestic lounge visit a quarter. J&K Bank publishes no rupee value for its points, so they are valued at nothing here.

Annual fee
Lifetime free
Joining fee
None
Base rate
1 reward point per ₹100 up to ₹15,000 a month, 2 per ₹100 above: 1 J&K Bank Reward Points per ₹100 up to ₹15,000; 2 J&K Bank Reward Points per ₹100 above ₹15,000
Lounges
Domestic: 1 visit a calendar quarter
Forex markup
1.99%
Data
From bank documents, checked 6 Nov 2026

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

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 and forex markup.
  • The monthly 15% lifestyle and food delivery discount (up to ₹75 on ₹500 of spend) is not valued: the page does not say which merchants qualify or how it is given.
  • The "select transportation" MCCs excluded from rewards are not named; only tolls are excluded here.

Sources

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