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J&K Bank RuPay Select Credit Card
RuPay
J&K Bank RuPay Select Credit Card
J&K Bank's RuPay Select sits above its Eminent, Platinum, and Platinum Privilege cards, passing through NPCI's standard RuPay Select lounge, golf and dining benefit programme to the bank's more established customers.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 720+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Up to ₹250/month off BookMyShow bookings and up to 10% off via Swiggy Dineout, standard to the RuPay Select programme
- Rewards rate: 1% base rate
- Domestic lounge access: 8 complimentary domestic lounge visits per year (2/quarter) under the RuPay Select programme
- International lounge access: 2 complimentary international lounge visits per year under the RuPay Select programme
- Golf: Up to 2 complimentary golf games per year, once every six months
- Insurance benefits: Personal accidental death and permanent disability cover up to ₹10 lakh, per NPCI's RuPay Select programme
Benefits by category
- 🍽️ Dining & food delivery
Golf privileges, BookMyShow movie offers and Swiggy Dineout dining discounts standard to the RuPay Select network
- ✈️ Travel
8 complimentary domestic lounge visits per year (2/quarter) plus 2 international lounge visits per year, per NPCI's RuPay Select programme
- 🛡️ Insurance
Personal accidental death and permanent disability cover up to ₹10 lakh
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹30,000
- 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%
- Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- Cash advance charges: 2.5% of the withdrawn amount or ₹300, whichever is higher
Benefits
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 8 complimentary domestic lounge visits per year (2/quarter) plus 2 international lounge visits per year, per NPCI's RuPay Select programme
- Golf privileges, BookMyShow movie offers and Swiggy Dineout dining discounts standard to the RuPay Select network
- Personal accidental death and permanent disability cover up to ₹10 lakh
Pros
- + Domestic lounge access
- + Flat 1% rewards on all spend
- + Reasonable fee waiver threshold
Cons
- − Reward categories aren't differentiated
- − RuPay-only acceptance limits international use
- − Overlaps with the bank's existing Platinum Privilege card