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Jammu & Kashmir Bank
J&K Bank RuPay Platinum Credit Card
RuPay
J&K Bank RuPay Platinum Credit Card
J&K Bank's 2025 entry into RuPay credit cards, built for UPI-linked QR and app-based payments alongside standard POS/ATM/e-commerce acceptance — a modern addition to its existing Platinum tier.
Rates and fees last verified 15 July 2026.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🛡️ Insurance
Enhanced EMV-chip security with OTP/UPI PIN authentication for safer transactions
- ⛽ Fuel
1% fuel surcharge waiver on eligible transactions
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- UPI Credit Card integration — pay via QR, tap-and-pay or any linked UPI app
- 1% fuel surcharge waiver on eligible transactions
- Enhanced EMV-chip security with OTP/UPI PIN authentication for safer transactions
Pros
- + Full UPI Credit Card integration (QR, tap-and-pay, app-based)
- + Enhanced EMV-chip and OTP/UPI PIN security
- + Wide domestic acceptance, including small/local merchants
Cons
- − Very new launch — reward structure and fee waivers still evolving
- − Issuance tied to J&K Bank's regional branch network