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J&K Bank Eminent Card
Mastercard
J&K Bank Eminent Card
J&K Bank's top-tier card (formerly the World card; existing World cardholders get Eminent plastics on renewal). It earns 3 points per ₹100 on online travel bookings, apparel, dining and electronics and 1 point elsewhere, with quarterly domestic and half-yearly international lounge visits and a 1.99% forex markup.
Annual fee
₹1,500
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Mastercard
Card tier
Premium
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Buy-one-get-one movie tickets (up to ₹500 a month) and ₹150 a month off food-delivery orders of ₹500+
- Rewards rate: 1% base rate
- Domestic lounge access: 2 complimentary domestic airport lounge visits per quarter
- International lounge access: 1 complimentary international lounge visit every half-year
- Golf: Complimentary golf privileges at select courses
Benefits by category
- 🍽️ Dining & food delivery
3% reward rate · ₹750 voucher on quarterly spend above ₹1,50,000; ₹1,000 dining voucher on annual spend above ₹6,00,000 · Buy-one-get-one movie tickets up to ₹500 a month; ₹150 a month off food delivery; Mastercard golf privileges
- ✈️ Travel
3% reward rate · 2 complimentary domestic lounge visits/quarter; 1 international lounge visit/half-year
- ⛽ Fuel
1% fuel surcharge waiver on up to ₹10,000 of fuel transactions a month
- 🌍 Forex / international spend
1.99% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 1.99%
- Interest rate: 36% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on up to ₹10,000 of fuel transactions a month
- Cash advance charges: 3% of the withdrawn amount, minimum ₹300 per transaction
Benefits
- 2 complimentary domestic lounge visits/quarter; 1 international lounge visit/half-year
- ₹500 gift voucher on the first eligible transaction for new customers
- ₹750 voucher on quarterly spend above ₹1,50,000; ₹1,000 dining voucher on annual spend above ₹6,00,000
- Buy-one-get-one movie tickets up to ₹500 a month; ₹150 a month off food delivery; Mastercard golf privileges
- 1% fuel surcharge waiver on up to ₹10,000 of fuel transactions a month
Pros
- + Airport lounge access (domestic quarterly, international half-yearly)
- + 3X reward points on travel bookings, dining, apparel and electronics
- + 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