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Jammu & Kashmir Bank credit cards: 4 you can apply for

Jammu & Kashmir Bank publishes no earn table for any of its 5 cards, so we cannot put a ₹ figure on one. Every card is listed below with what we do know.

5cards we track, none we can value

Rank all 4 at your own spend in the card finder

Verified 2 sources

Points and where they go

No Jammu & Kashmir Bank card names the currency it earns in a document we could read.

Recent changes

All 5 Jammu & Kashmir Bank cards

Fees run ₹0 to ₹1,500, and 1 of them is genuinely free for life. We cannot value any of them: Jammu & Kashmir Bank publishes no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 5 keep, 0 downgrade, 0 cancel.

Open to apply 4

  1. J&K Bank Eminent Card

    Not valued fee or rewards not published

    ₹0 joining + ₹1,500/yr · Lounges in India and abroad · 1.99% forex markup

    Keep

  2. J&K Bank Platinum Card

    Not valued fee or rewards not published

    ₹0 joining + ₹500/yr · Lounges in India

    Keep

  3. J&K Bank Gold Card

    Not valued fee or rewards not published

    ₹0 joining + ₹200/yr

    Keep

  4. J&K Bank Platinum Privilege

    Not valued fee or rewards not published

    ₹0 fee · Lounges in India · 1.99% forex markup

    Keep

Business cards 1 card

  1. J&K Bank Corporate Card

    Not valued fee or rewards not published

    ₹0 joining + ₹500/yr

    Keep

Filter Jammu & Kashmir Bank cards by fee, lounges or forex

Standard charges

The charges Jammu & Kashmir Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.

Jammu & Kashmir Bank's standard charges
ChargeWhat the bank saysOur readCards
Cash withdrawal feeup to 40% of the total credit limit (range-wide facility; no fee published)3 of 3

Cards counts the Jammu & Kashmir Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.

Jammu & Kashmir Bank in RBI's figures

Cards in force
1,73,428
0.1% of India's cards
Spent in August 2026
₹227 crore
17% of it online
Spend per card
₹13,097
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The Jammu & Kashmir Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official Product page — nil joining fee, ₹1,500 annual fee waived at ₹3,00,000, 1.99% forex markup, 2 domestic lounge visits a quarter plus 1 international a half-year read
  2. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read