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.

Annual fee

₹500

Joining fee

₹0

Reward type

points

Base reward rate

0.5%

Card network

RuPay

Card tier

Entry

Who this card fits

Best suited to applicants who clear the standard eligibility bar. Its annual fee waives if you can comfortably clear the spend threshold.

Rewards & benefits

Rewards rate: 0.5% base rate
Domestic lounge access: 2 complimentary domestic airport lounge visits per year (1 per half-year)

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

Fees & charges

Spend-based waiver: Waived on annual spend of ₹1,00,000
Foreign currency markup: 3.5%
Cash advance charges: 2.5% of the withdrawn amount or ₹300, whichever is higher

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

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Best for

RuPay credit cards