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Explore cards from India's leading banks.
Last updated: 19 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
1 point per ₹100 spent
Points can be redeemed for statement credit or merchandise. 1 point = ₹1 value typically.
The privileges that come bundled in, beyond the reward points.
Fuel surcharge waiver
Dining offers
Travel insurance
Concierge services
An honest read on where this card earns its keep — and where it doesn't.
Low annual fee
Standard Platinum benefits
Limited cashback compared to premium cards
Fewer lounge access benefits
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Jammu & Kashmir Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how J&K Bank Platinum Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about J&K Bank Platinum Credit Card fees, reward conversion, lounge access, and application eligibility.
J&K Bank Platinum Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "No specific introductory offer published; standard Platinum tier benefits apply.".
J&K Bank Platinum Credit Card earns Points at a primary rate of 1 point per ₹100 spent. Specifically, Points can be redeemed for statement credit or merchandise. 1 point = ₹1 value typically.. Spends in Travel, Lifestyle, Shopping, Fuel, Dining categories provide the maximum valueback per transaction on this card.
Yes, J&K Bank Platinum Credit Card features complimentary airport lounge privileges. Cardholders receive complimentary lounge entries per quarter at participating domestic and/or international airports in India. Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of J&K Bank Platinum Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
J&K Bank Platinum Credit Card is issued on the Visa or Mastercard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
J&K Bank Platinum Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
J&K Bank Platinum Credit Card currently features a welcome offer: "No specific introductory offer published; standard Platinum tier benefits apply.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Low annual fee and Standard Platinum benefits. However, keep in mind that Limited cashback compared to premium cards and Fewer lounge access benefits. Overall, J&K Bank Platinum Credit Card delivers strong value if your regular spending aligns with Travel, Lifestyle, Shopping, Fuel, Dining.
Yes, J&K Bank Platinum Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel surcharge waiver). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
You can apply for J&K Bank Platinum Credit Card directly through Jammu & Kashmir Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
