M16S / Jammu and Kashmir Bank / J&K Bank Eminent Credit Card
mid · rewards, travel
J&K Bank Eminent Credit Card
The J&K Bank Eminent Credit Card costs Rs 1,500 a year, waived if you spend Rs 3,00,000 in a year. It earns 1 point per Rs 100. Accelerated earn: 3 points per Rs 100 on online travel, apparel, dining and electronics. The forex markup is 1.99%. Lounge visits in India: 2 per quarter. Abroad: 1 per half-year. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 1,500+ GST
- Fee waived at
- Rs 3,00,000annual spend
- Base return
- —
- Forex markup
- 1.99%
- Interest
- 3%a month
What changed on this card
- J&K Bank sets new annual fees on Eminent and Platinum cards from 1 May 2026
From 1 May 2026 Eminent carries an annual fee of INR 1,500, waived on annual spends of INR 3,00,000, and Platinum INR 500, waived on INR 1,00,000. Platinum Privilege stays free. Source: J&K Bank, jkb.bank.in, read 28 Oct 2026
- J&K Bank adds welcome vouchers on new credit cards from 1 April 2026
Newly issued cards get a welcome gift voucher on the first eligible transaction from 1 April 2026: INR 500 on Eminent and INR 250 on Platinum Privilege and Platinum. Source: J&K Bank, jkb.bank.in, read 28 Oct 2026
- J&K Bank revises credit card reward structure from 1 April 2026
From 1 April 2026 Eminent earns 1 Reward Point per INR 100 and 3 points on online travel, apparel, dining and electronics; Platinum earns 2 points per INR 100 on online, department store, pharmacy and utility spends; Platinum Privilege earns 2 points on monthly spends beyond INR 15,000. No points on insurance, education, rent, wallet, fuel, cash and select transport and toll transactions. Source: J&K Bank, jkb.bank.in, read 28 Oct 2026
- J&K Bank starts quarterly spend milestone vouchers from 1 April 2026
Quarterly milestones are counted from 1 April 2026 for existing and new cards: Eminent gets a INR 750 voucher on quarterly spends above INR 1,50,000, Platinum a INR 500 voucher above INR 75,000, and Platinum Privilege INR 100 to INR 350 vouchers on quarterly spends from INR 30,000. Source: J&K Bank, jkb.bank.in, read 28 Oct 2026
- J&K Bank adds lounge and lifestyle benefits on revamped credit cards from 12 March 2026
Travel, lifestyle and entertainment benefits apply from 12 March 2026: Eminent gets 2 domestic lounge visits per quarter and 1 international visit per half-year, Platinum Privilege 1 domestic visit per quarter, and Platinum 2 domestic visits per year (1 per half-year). Source: J&K Bank, jkb.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 1,500 |
| Annual spend that waives the fee | Rs 3,00,000 |
| Fee notes | Joining nil. Fee schedule lists 'Annual' Rs 1,500 and 'Renewal' Rs 200 as separate columns without explaining the split. Annual fee waived on spends above Rs 3,00,000 (listed against the card's former name, World). |
Rewards
| Welcome benefit | Rs 500 voucher for new customers |
|---|---|
| Reward currency | Reward Points |
| Base earn | 1 point per Rs 100 |
| Point valueunverified | Not stated on the page read; redemption via rewards.jkb.bank.in |
| Accelerated earn | 3 points per Rs 100 on online travel, apparel, dining and electronics |
| Spends that earn nothing | Insurance, educational institutions, rent, wallet loads, fuel, cash withdrawals, select transport/toll transactions |
| Points expiry | 3 years from transaction date |
| Milestone benefits | Rs 750 voucher per quarter on spends above Rs 1,50,000; Rs 1,000 dining voucher on annual spends above Rs 6,00,000 |
| Reward notes | No base return computed because the bank does not publish a rupee value per point on the page read. |
Travel and perks
| Domestic lounge | 2 per quarter |
|---|---|
| International lounge | 1 per half-year |
| Lounge conditions | Mastercard lounge programme (LoungeKey for international). No spend condition stated. |
| Forex markup | 1.99% |
| Fuel surcharge waiver | 1%; card section says on fuel spends up to Rs 10,000 a month, general terms cite a Rs 5,000 cap |
| Other freebies | Rs 150 monthly benefit on food delivery spend of Rs 500+; buy-one-get-one movie tickets up to Rs 500 a month; Mastercard golf privileges. |
Charges and eligibility
| Interest per month | 3% |
|---|---|
| Late payment fee | Nil if amount due is up to Rs 100; Rs 250 if above Rs 100 |
| Cash advance fee | 3% per transaction, min Rs 300 (own, other-bank and overseas ATMs) |
| Fine-print notes | Bank page (schedule of fees and MITC text): finance charge 3% p.m. (36% p.a.; APR 42.57%); interest-free period 20-50 days on retail purchases if previous bill paid in full; statement on the 20th, due 20 days later; minimum due 5% of balance plus over-limit amount and EMIs; over-limit fee 2.5% (min Rs 400); card replacement Rs 200 + GST; rent payments (MCC 6513) carry a 1% fee; EMI on transactions above Rs 2,500 at 14.99% with Rs 99 processing fee and 3% pre-closure. Card valid 5 years. Portfolio was revamped and renamed in August 2026. The last ~9% of the page text (tail of the MITC) was not read. Point redemption value is not published on the page. Formerly the World Credit Card. 1.99% forex markup is low for the fee level. Cash advance limit stated variously as 20% and up to 40% of credit limit. |
Questions
- What is the annual fee of the J&K Bank Eminent Credit Card?
- Rs 1,500 a year, before GST. It is waived if you spend Rs 3,00,000 in a year.
- Does the J&K Bank Eminent Credit Card give airport lounge access?
- Yes. In India: 2 per quarter. Outside India: 1 per half-year. Conditions: Mastercard lounge programme (LoungeKey for international). No spend condition stated.
- What is the forex markup on the J&K Bank Eminent Credit Card?
- 1.99% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the J&K Bank Eminent Credit Card?
- Insurance, educational institutions, rent, wallet loads, fuel, cash withdrawals, select transport/toll transactions