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J&K Bank Platinum Privilege Card
RuPay
J&K Bank Platinum Privilege Card
A zero-fee-for-life credit card J&K Bank reserves exclusively for government (MOU) employees, replacing its older 'Government Card' as part of the bank's February 2026 credit card suite revamp — pairs a low 1.99% forex markup with modest quarterly lounge access.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to salaried applicants who clear the standard eligibility bar whose spend is concentrated in utilities. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 1 complimentary domestic airport lounge visit per quarter
Benefits by category
- ✈️ Travel
1 complimentary domestic airport lounge visit per quarter
- ⛽ Fuel
1% fuel surcharge waiver on up to ₹5,000 of fuel transactions a month
- 🌍 Forex / international spend
1.99% forex markup on international transactions
Eligibility
- Employment: salaried
- Age: 21–60
Fees & charges
- Foreign currency markup: 1.99%
- Interest rate: 36% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on up to ₹5,000 of fuel transactions a month
- Cash advance charges: 3% of the withdrawn amount, minimum ₹300 per transaction
Benefits
- 1 complimentary domestic airport lounge visit per quarter
- ₹250 welcome gift voucher on the first eligible transaction
- Quarterly voucher of ₹100 (₹30,000–₹49,999 spend), ₹200 (₹50,000–₹74,999) or ₹350 (₹75,000+)
- 1 point per ₹100 on monthly spend up to ₹15,000 and 2 points per ₹100 on spend above that
- 15% off (up to ₹75) once a month on ₹500+ lifestyle or food-delivery spend
- 1% fuel surcharge waiver on up to ₹5,000 of fuel transactions a month
Pros
- + Zero joining and annual fee for life
- + Competitive 1.99% forex markup (lower than J&K Bank's Platinum card)
- + Quarterly domestic lounge access and milestone vouchers
Cons
- − Restricted to government employees under bank MOUs — not open to the general public
- − Reward point redemption value not publicly disclosed