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Jammu & Kashmir Bank
J&K Bank Platinum Card
RuPay
J&K Bank Platinum Card
An entry-level, RuPay-enabled credit card from J&K Bank offering modest rewards on online shopping and utility spends plus limited domestic lounge access.
Rates and fees last verified 19 July 2026.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Reward rates by category
- Online shopping2%
- Utilities2%
- Other2%
Eligibility
- Employment: salaried, self-employed
Benefits
- 2 complimentary domestic lounge visits per year
- ₹250 welcome voucher for new customers
- ₹500 milestone voucher on quarterly spend of ₹75,000+
- 1% fuel surcharge waiver, capped at ₹5,000 waived surcharge/month
- 10% discount on utility bill payments via the card, capped at ₹50
Pros
- + No joining fee and low ₹500 annual fee, waivable on ₹1L annual spend
- + RuPay variant supports UPI-linked credit card payments
- + 2 free domestic lounge visits per year
Cons
- − Higher forex markup (3.5%) than the Eminent Card
- − Reward rates and lounge access are modest compared to premium cards
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.