Fees
Annual feeINR 500 + GST (renewal INR 200 + GST)
Joining feeINR 0
Renewal feeINR 500 + GST (renewal INR 200 + GST)
Fee waiverAnnual fee waived on INR 1,00,000 spends within card anniversary year
Interest rate3.0% per month (36.0% per annum (p.a.))
Late paymentNIL up to INR 100 due; INR 250 above INR 100 due
Forex markup3.50%
Cash advance3% of amount (min INR 300) at own/other-bank/overseas ATMs
Eligibility
Min income (salaried)INR 20,000 - INR 35,000 (approx; ≈INR 80,000+ p.a.)
Min income (self-emp.)INR 1.5 lakh+/year (approx)
Income requirementSalaried: INR 20,000 - INR 35,000 (approx; ≈INR 80,000+ p.a.); Self-employed: INR 1.5 lakh+/year (approx)
Credit score700 - 750
Age range21 to 60
Employment typeBoth
Resident typeIndian Citizen & NRI
Rewards & cashback
Accelerated rateYes — 2X (2 RP/INR 100) on online, department-store, pharmacy/medical & utility spends
Redemption optionsGift vouchers / catalogue / Amazon voucher (J&K Bank Rewards portal)
Points expiry3 Years from date of transaction
Travel & lounge
Domestic lounge2 complimentary visits/year (1 per half-year; Mastercard variant)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo (Mastercard variant only)
Travel insuranceNo
Hotel/flight offers0% - 5% + INR 500 voucher on quarterly spends > INR 75,000
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining benefitsNo (10% off, up to INR 50, on utility bills once/month)
Dining discountsNo (10% off, up to INR 50, on utility bills once/month)
Fuel surchargeYes — 1% waiver up to INR 5,000 fuel spend/month
OTT subscriptionsNo
E-commerce offersYes — 2X on online spends; welcome INR 250 voucher
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh (profile based)
Max limitUp to INR 4 lakh
Cash withdrawal20% of credit limit (max INR 80,000)
EMI optionsAt purchase / post-purchase (merchant EMI; 3/6/9/12/18/24 months); Yes — merchant EMI
EMI conversionAt purchase / post-purchase (merchant EMI; 3/6/9/12/18/24 months)
Min EMI amountINR 2,500+ (up to INR 2 lakh / 100% of limit per scheme)
Balance transferAs per bank policy
BT interest rateAs per offer
Insurance & protection
Purchase protectionNo
Lost card liabilityYes — hotlist via helpline/app; nil liability after reporting + FIR
Digital & security
ContactlessYes
App featuresM-Pay Delight+ app: statements, due dates, block/unblock, limit controls, e-bill download, alerts
Card controlsBlock/unblock + toggle international/online/contactless via M-Pay Delight+ app or branch
Fraud protectionAutomated Digital Fraud Management (real-time traceability, instant freeze/lien, NCRP integration); OTP; tokenization (RBI); transaction monitoring
Zero liabilityZero liability if fraud reported within 3 working days; limited liability if reported within 4-7 working days; full liability if reporting delayed beyond 7 days without valid reason (per RBI)
WhatsApp supportYes (J&K Bank WhatsApp banking)