J&K Bank Corporate Card
KeepJ&K's business card, priced in the schedule and described nowhere — including the mark-up row.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Not published — J&K's welcome vouchers are specified for the Eminent, Platinum Privilege and Platinum variants only
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Jammu & Kashmir Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
1 notes on the card itself: how it is issued
The take
This is the fifth column of J&K Bank's fee schedule and the second of the two variants the bank prices without describing. It costs ₹500 + GST a year with nothing to take out, ₹200 to renew and ₹200 to replace, and beyond those four numbers J&K publishes essentially nothing about it. One omission is worth naming for a business that spends abroad. The schedule carries two mark-up rows — 1.99% for the Eminent and Platinum Privilege variants, 3.5% for Platinum and Gold — and the Corporate variant appears in NEITHER. Every other charge on the page is written as applying to all cards; the foreign mark-up is the one line that enumerates variants, and this one is missing from the enumeration. So the desk cannot tell you what this card costs overseas, and neither can the bank's own page. Ask before you route foreign spend through it. What does apply, because J&K writes it as bank-wide: 3% a month and 36% a year on anything revolved, on a stated APR of 42.57%; cash advances at 3% with a ₹300 floor, capped at 20% of the credit limit; over-limit at 2.5% with a ₹400 floor; ₹250 late payment above a ₹100 balance; 1% on rent under MCC 6513; and reward points that accrue on everything except fuel and cash withdrawals, expire in three years, and have no published rate and no published value. Interest-free credit runs 20 to 50 days on retail purchases when the prior bill was cleared in full. Judge it on control rather than value. There is no lounge access, no milestone voucher and no welcome benefit published for this variant — J&K wrote all of those for its three consumer cards in the March and April 2026 rewrite and wrote none for this one.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Jammu & Kashmir Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 19 Feb 2026 J&K Bank relaunches its card range as Eminent, Platinum and Platinum Privilege issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- ₹500 + GST a year with a published NIL entrance fee, and ₹200 to renew or replace
- No product-upgrade charge and no limit-enhancement fee — the schedule prints NIL against both for every variant
- Interest-free credit of 20 to 50 days on retail purchases, when the previous bill was cleared in full
- Reward points accrue on everything except fuel and cash withdrawals, and stay valid three years
- Cash advance available up to 20% of the credit limit, at own, other-bank and overseas ATMs alike
Watch out
- J&K publishes NO foreign currency mark-up for this variant — the schedule's mark-up rows enumerate Eminent, Platinum Privilege, Platinum and Gold, and omit Corporate entirely
- No annual-fee waiver: the waiver table lists Gold, Platinum and World, and gives this card no row
- No earn rate is published for it — the April-2026 reward rewrite gave per-₹100 rungs to the three consumer variants and none to this one, and no document states what a point is worth
- NO lounge access, no welcome voucher and no milestone benefit are published for this variant
- Finance charges are 3% a month, 36% a year, on an APR the bank itself states as 42.57%
- Cash advances cost 3% with a ₹300 minimum from the transaction date, at any ATM anywhere
- Over-limit is 2.5% of the excess with a ₹400 floor; late payment is ₹250 above a ₹100 balance
- No reward point is earned on insurance, education, rent, wallet loads, fuel, cash withdrawals or select transport and toll transactions
- 1% surcharge on rent payments (MCC 6513)
What these points actually fly
Jammu & Kashmir Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
Through a J&K Bank branch or relationship manager. The bank publishes no eligibility criterion, turnover threshold or documentation list for the Corporate variant anywhere on its credit-card page — it appears only as the fifth column of the Schedule of Fee & Charges.
Jammu & Kashmir Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
1 dated change
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 19 Feb 2026J&K Bank relaunches its card range as Eminent, Platinum and Platinum PrivilegeA World Credit Card, a Platinum, a Gold and a Government Employees card, priced by the bank's Nov-2025 consolidated schedule at ₹1,000, ₹300, ₹200 and nil a year → Three revamped variants. Eminent (the renamed World Card) at a nil joining fee and ₹1,500 a year waived at ₹3,00,000 of spend, a 1.99% foreign-currency markup, 2 domestic lounge visits a quarter and 1 international a half-year. Platinum at ₹500 waived at ₹1,00,000, a 3.50% markup, 2 domestic lounge visits a year and a ₹500 voucher above ₹75,000 of quarterly spend. Platinum Privilege (the renamed Government Employees card), lifetime-free on both fees, a 1.99% markup, 4 domestic lounge visits a year and a three-rung quarterly voucher ladder from ₹30,000 of spend
A regional bank quietly built the cheapest low-markup travel pair in the country. J&K Bank's relaunch renames the World Card to Eminent and the Government Employees card to Platinum Privilege, and puts a 1.99% foreign-currency markup on both — well under India's 3.5% norm, and on the Platinum Privilege it costs nothing at all, because that card charges neither a joining nor an annual fee. Eminent's ₹1,500 buys eight domestic lounge visits a year and two international ones, which is more domestic access than most cards at that price. The Platinum is the odd one out and the one to skip: ₹500, the full 3.50% markup, and two lounge visits a YEAR against the Eminent's two a quarter. What the desk cannot price on any of them is the reward point — J&K publishes the accrual (1 point per ₹100, 3 on online travel, apparel, dining and electronics on Eminent) and no rupee value for a point on the product page, in the consolidated schedule or on its own rewards portal, so all three cards are carried and none is valued. Existing World and Government cardholders were migrated where they stood: the benefits already apply, and new plastic follows when the old card expires.
Verified against Jammu & Kashmir Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 2 of them, each with the day we read it
- official J&K Bank's consolidated Schedule of Service Charges (Nov 2025), section M — the PRIOR edition of the fee schedule, and independent corroboration of this card's figures
- official J&K Bank's bank-wide Schedule of Fee & Charges — the five-variant fee table naming the Corporate card, and the mark-up rows that omit it