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J&K Bank Platinum Card
RuPay
J&K Bank Platinum Card
J&K Bank's Platinum card continues under its own name with upgraded benefits from April 2026: 2 points per ₹100 on online, department-store, pharmacy and utility spend, a ₹250 welcome voucher, a ₹500 voucher on ₹75,000 quarterly spend and one domestic lounge visit every half-year.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping, utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 2 complimentary domestic airport lounge visits per year (1 per half-year)
Benefits by category
- 🛒 Groceries
2% reward rate
- ✈️ Travel
2 complimentary domestic lounge visits per year
- 🛍️ Shopping
2% reward rate
- 🧾 Utilities
2% reward rate
- ⛽ Fuel
1% fuel surcharge waiver, capped at ₹5,000 waived surcharge/month
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 36% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver, capped at ₹5,000 waived surcharge/month
- Cash advance charges: 3% of the withdrawn amount, minimum ₹300 per transaction
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
- + 2X points on online, department-store, pharmacy and utility spend
- + Welcome and quarterly milestone vouchers
Cons
- − Higher forex markup (3.5%) than the Eminent Card
- − Only 2 lounge visits a year and modest reward rates