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.

Rates and fees last verified 14 September 2026.

Annual fee

₹0

Joining fee

₹0

Reward type

points

Base reward rate

Card network

RuPay

Card tier

Entry

Eligibility

Employment: salaried
Age: 21–60

Benefits

1 complimentary domestic airport lounge visit per quarter
₹250 welcome gift voucher
Quarterly milestone voucher on spends starting from ₹30,000
Fuel surcharge waiver on eligible transactions
Monthly lifestyle discounts on select food and lifestyle platforms

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

Apply on Jammu & Kashmir Bank's site

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