JK Bank Blue Empowerment Credit Card

Apply for the best credit card of Jammu And Kashmir Bank

Last updated:28-Dec-24 Writen by Narendra User Profile
JK Bank Blue Empowerment Credit Card
  • Best suitable for: Shopping
  • Joining Fee: ₹ Lifetime Free + GST
  • Annual Fee: ₹ Lifetime Free + GST
  • Welcome Benefits: NA
Jk Bank Blue Empowerment Credit Card

JK Bank Blue Empowerment Credit Card: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ Lifetime Free
Annual/Renewal Fee:₹ Lifetime Free
Finance Charges:3% per month (AnnualRate of 36% and APR of 42.57%)
Spend Based Waiver:Lifetime Free
Over Limit Penalty:2.5% of overlimit amount, subject to a minimum of 400/-
Rent Payment chargesNULL
Forex Charges:3.0% of the transaction value
Minimum Repayment Amount:5% of Total outstanding (Min. Rs. 100) + All charges/fees/taxes + EMI
Cheque Return Fees:200/- for unpaid by other bank and drawn at JK bank is 500/- per returned cheque
Late Payment Charges:Late payment fee is Rs. 100/-

JK Bank Blue Empowerment Credit Card: Eligibility & Documentation

Eligibility:-
Age: Applicants should be at least 21 years old.
Income: A stable annual income is essential, typically a net Annual income of 1,80,000/- or more and Self-Employed Individuals/Professionals: A minimum annual income of 2 lakhs.
Credit Score: A good CIBIL score, ideally between 700 and 900, can significantly boost approval chances
If you are an existing customer of JK Bank, you may have an easier time qualifying, especially if you have a good relationship history with the bank
The applicant must be an Indian citizen and valid address proof

Documentation:- 1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof

JK Bank Blue Empowerment Credit Card: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 3% (Min. INR 300) of the cash amount
Cash Advance Withdrwan Limit: 20% of the card limit
Cash Payment at Bank Branch: NIL

JK Bank Blue Empowerment Credit Card: Customer care and helpline

Customer care : 18008902122
Email Address : [email protected]
Mailing Address: Corporate Headquarters, M. A. Road, Srinagar-190001. (J&K) India

Add-on Card facility: NIL

Card replacement fee: Rs 200 + GST

Rewards Redemption Fee: -

Domestic lounge:

International Lounge:

Fuel Surcharge:upto Rs.125/- per month

FAQ of JK Bank Blue Empowerment Credit Card

Q1. What is the annual fee of JK Bank Blue Empowerment Credit Card?
The JK Bank Blue Empowerment Credit Card offers lifetime-free annual fees. The joining fee is also free for life!

Q2. What is the interest rate on the JK Bank Blue Empowerment Credit Card?
The JK Bank Blue Empowerment Credit Card has an interest rate of 3% per month (AnnualRate of 36% and APR of 42.57%)

Q3. Are there foreign transaction fees on the JK Bank Blue Empowerment Credit Card?
Yes, The JK Bank Blue Empowerment Credit Card charges a 3.0% fee for all transactions in foreign currency .

Q4. What is the credit limit of JK Bank Blue Empowerment Credit Card?
The credit limit for the JK Bank Blue Empowerment Credit Card is based on multiple factors, such as your income, repaying capacity, and credit history. Jammu And Kashmir Bank does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Jammu And Kashmir Bank offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.

Credit Cards by Bank
Credit Cards by Category