M16S / Jammu and Kashmir Bank / J&K Bank Gold Credit Card
entry · rewards
J&K Bank Gold Credit Card
The J&K Bank Gold Credit Card costs Rs 200 a year, waived if you spend Rs 50,000 in a year. The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 200+ GST
- Fee waived at
- Rs 50,000annual spend
- Base return
- —
- Forex markup
- 3.5%
- Interest
- 3%a month
Apply on jkb.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 200 |
| Annual spend that waives the fee | Rs 50,000 |
| Fee notes | Joining nil. Fee schedule lists Annual Rs 200 and Renewal Rs 200. Annual fee waived on spends above Rs 50,000. |
Rewards
| Reward currency | Reward Points |
|---|---|
| Point valueunverified | Not stated on the page read; redemption via rewards.jkb.bank.in |
| Spends that earn nothing | Insurance, educational institutions, rent, wallet loads, fuel, cash withdrawals, select transport/toll transactions |
| Points expiry | 3 years from transaction date |
Travel and perks
| Forex markup | 3.5% |
|---|
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. Appears only in the fee and waiver tables; the revamped portfolio page describes benefits for Eminent, Platinum Privilege and Platinum only, so Gold may be a legacy variant. Recorded as open because the bank still lists its charges. |
Questions
- What is the annual fee of the J&K Bank Gold Credit Card?
- Rs 200 a year, before GST. It is waived if you spend Rs 50,000 in a year.
- What is the forex markup on the J&K Bank Gold Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the J&K Bank Gold Credit Card?
- Insurance, educational institutions, rent, wallet loads, fuel, cash withdrawals, select transport/toll transactions