J&K Bank Gold Card
Keep₹200 a year, waived at ₹50,000 of spend — the entry rung J&K stopped writing about.
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; the Gold column is given none
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 →
2 notes on the card itself: how it is issued · why it ranks #522
Why #522 Carried, not valued. The cheapest card J&K sells and the only one of its five variants with neither a lounge quota nor a published earn rate — the fee, the waiver and the charges are documented to the rupee, and there is nothing else to price.
The take
J&K Bank's credit-card page describes three cards and prices five. Gold is one of the two it prices without describing: it holds a full column in the bank's Schedule of Fee & Charges — entrance NIL, ₹200 a year, ₹200 to renew, ₹200 to replace — and a line in the fee-waiver table, "Gold Credit Card — Above 50,000", and then vanishes from every benefit section on the page. That absence is the product. When J&K republished its range in March and April 2026 it wrote new reward rungs, milestone vouchers, welcome vouchers, lounge quotas and lifestyle discounts for Eminent, Platinum Privilege and Platinum. Gold got none of them. What survives for a Gold holder is the generic clause that covers every variant: points accrue on everything except fuel and cash withdrawals and expire after three years, with the bank naming no rate and no redemption value. So price it as what it is — a cheap payment instrument with a real, low waiver. ₹200 a year is nothing, ₹50,000 of annual spend is ₹4,200 a month, and clearing that bar makes it free. Below that bar, you are paying ₹200 for a card that carries no lounge access, a full 3.5% foreign mark-up, and 3% a month on anything you revolve. J&K's own Platinum sits one rung up at ₹500 with two lounge visits a year and a published earn structure; if you can clear ₹1,00,000 of spend, that fee waives too and the Gold has nothing left to recommend it.
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
- ₹200 + GST a year, waived entirely on ₹50,000 of spend in the year — the lowest waiver bar J&K publishes
- Zero entrance fee: the schedule prints NIL against the entrance row for every J&K variant
- Interest-free credit of 20 to 50 days on retail purchases, when the previous bill was cleared in full
- Card valid five years, with a ₹200 replacement charge and no product-upgrade or limit-enhancement fee
- Reward points accrue on everything except fuel and cash withdrawals, and stay valid three years
Watch out
- J&K publishes NO earn rate for Gold — its April-2026 reward rewrite gave per-₹100 rungs to Eminent, Platinum Privilege and Platinum and gave this variant none, and no document states what a point is worth
- NO lounge access: every travel privilege J&K publishes belongs to one of the three described variants
- 3.50% foreign currency mark-up — the schedule's 1.99% rate is reserved for the Eminent and Platinum Privilege variants
- 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, and cap at 20% of the credit limit
- 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 — J&K applies that exclusion list across all variants
- 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 →
Does your spend count toward the fee waiver?
not published — and we say which
₹50,000 a year is the bar that waives the ₹200 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Jammu & Kashmir Bank states what the J&K Bank Gold Card earns, but has not published which spend categories count toward the fee waiver — the ₹50,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
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 the bank's online credit-card application. No income figure, bureau criterion or eligibility rule is published for the Gold variant anywhere on the credit-card page — only the Platinum Privilege variant carries a stated eligibility test, and that one is restricted to government employees.
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 credit-card page and its bank-wide Schedule of Fee & Charges — the five-variant fee table, the ₹50,000 Gold waiver, 3.5% mark-up and the reward-point clause