• 20-50 day Credit Free Period
  • Revolving Credit Facility on paying of minimum payment due in the same billing period.
  • Hassle free credit facility at competitive rate of interest.
  • Cash Withdrawal Facility upto 20% of total credit limit.
  • Loyalty programme
  • MasterCard® SecureCode™ enbaled Credit Cards.J&K Bank lets you shop securely online with your J&K Bank MasterCard Credit Card. This service through a simple checkout process, confirms your identity when you make purchases on the Internet
  • 24 Hour Customer Assistance at JK Bank Helpdesk
  • Blue Empowerment Card
  • Silver Empowerment Card
  • Gold Empowerment Card
  • All Merchant Establishments like shops who honor MasterCard™ Credit Cards.
  • All ATM's which accept MasterCard™ Credit Cards.

Annual Income

    • For Salaried -Above Rs 80,000.00
    • For Self Employed -Above Rs. 1,50,000.00
  • Income Proof
  • Address Proof
  • Identity Proof
  • Blue Empowerment Card- Upto Rs.25,000.00
  • Silver Empowerment Card-Upto Rs.50,000.00
  • Gold Empowerment Card-Upto Rs.1,00,000.00

2.25% per month

Wavied Off

M / Location

Cash Withdrawal 
Charges / Fee*

Service Charges 


(of txn amount)

2.25% per month from the date of Transaction.


Rs 50


Other Banks ATM

Rs 100



US$ 5


* whichever is higher shall be charged.

Mr. Parvez Ahmad



Card Issuing and Acquiring Department; Corporate Headquarters ; Jammu and Kashmir Bank

  • Effective January 1, 2011, as mandated by Reserve Bank of India (RBI), Credit-Card-issuing Banks in India have introduced an additional measure of security for IVR transactions (Interactive Voice Response transactions are those transactions which are made over the phone where certain Credit-Card details are to be entered into an automated system in order to make payment to a merchant for the purchase of goods/services) through their Credit Cards – the OTP (One Time Password) generation.

  • What is an OTP?
    An OTP is a six-digit code, valid for a limited period from the time of placing a request for it. You will need to obtain an OTP before every IVR payment transaction.

  • How to obtain an OTP?
    You can obtain the OTP by  CLICKING HERE and logging in to J&K Bank Secure Internet Payment. A link Pre OTP is available for generating the OTP which would be emailed to your registered email. Alternatively, the OTP can be displayed on the screen by clicking on the small check box provided for the purpose.

  • How to use the OTP?
    The OTP is required at the time of making payment on the IVR, where you will be prompted to enter it along with the other details like your credit-card number, card expiry date and CVV number.