JK Bank Gold Empowerment Credit Card
Apply for the best credit card of Jammu And Kashmir Bank
Welcome Benefits
- NA
JK Bank Gold 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 charges | NULL |
| Forex Charges: | 3.49% of the transaction value |
| Minimum Repayment Amount: | 5% of Total outstanding (Min. Rs. 100) + All charges/fees/taxes + EMI |
| Cheque Return Fees: | 2% of Total Amount Due or Minimum of 500 whichever is higher |
Eligibility criteria
Age: Applicants should be at least 21 years old.
Income: A stable annual income is essential, typically a net monthly income of 25,000/- or more and Self-Employed Individuals/Professionals: A minimum annual income of 3.0 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
Document Requirements
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
Other Information
Frequently Asked Questions
What is the annual fee of JK Bank Gold Empowerment Credit Card?
The JK Bank Gold Empowerment Credit Card offers lifetime-free annual fees. The joining fee is also free for life!
What is the interest rate on the JK Bank Gold Empowerment Credit Card?
The JK Bank Gold Empowerment Credit Card has an interest rate of 3% per month (AnnualRate of 36% and APR of 42.57%)
Are there foreign transaction fees on the JK Bank Gold Empowerment Credit Card?
Yes, The JK Bank Gold Empowerment Credit Card charges a 3.0% fee for all transactions in foreign currency .
What is the credit limit of JK Bank Gold Empowerment Credit Card?
The credit limit for the JK Bank Gold 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.
Card other Details
JK Bank Gold Empowerment Credit Card Credit Limit: Up to ₹10 Lakh