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Jammu & Kashmir Bank
J&K Bank Eminent Card
Mastercard
J&K Bank Eminent Card
J&K Bank's top-tier credit card offering accelerated rewards on online shopping, dining, travel and apparel spends along with airport lounge access.
Rates and fees last verified 19 July 2026.
Annual fee
₹1,500
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Mastercard
Card tier
Premium
Reward rates by category
- Online shopping3%
- Dining3%
- Travel3%
- Other3%
Eligibility
- Employment: salaried, self-employed
Benefits
- 2 complimentary domestic lounge visits/quarter; 1 international lounge visit/half-year
- ₹500 welcome voucher for new customers
- Quarterly milestone voucher of ₹750 on spend of ₹1,50,000+
- 1% fuel surcharge waiver, capped at ₹10,000 waived surcharge/month
Pros
- + Airport lounge access (domestic quarterly, international half-yearly)
- + 3X reward points on travel, dining, online shopping and apparel
- + Competitive 1.99% forex markup for a domestic issuer
Cons
- − ₹1,500 annual fee requires ₹3L yearly spend to waive
- − Reward point redemption value not disclosed
Applying takes you to Jammu & Kashmir Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.