• Credit Limit: Above Rs 1 lac upto Rs 8 lacs
  • Cash Limit: 20% of credit limit subject to a maximum of 1.6 lacs.
  • Welcome Aboard offers of Rs 4,000 across premium brands.
  • Loyalty Points: 1 on purchase of Rs 200.
  • Global Concierge Services under which the cardholder can get Mastercard Global Emergency Services for any card-related needs, including emergency cash advances within 2 hours and card replacements within 24 hours in the U.S. and 48 hours worldwide.

Maximum Limit:

  • Central/ State Govt Employees drawing salary through our bank: 6 times Gross monthly salary or 10 times net monthly salary, whichever is lower.
  • IAS cadre officers and KAS officers, Doctors, University/ College Asst. Professors, Associate Professors and Professors,  Directors , Deputy Directors and other officers in equivalent or higher cadres, of J&K State Govt and autonomous bodies -7 times Gross monthly salary or 12 times net monthly salary, whichever is lower.
  • Self employed/Businessman/ other salaried class: 50% of Annual Gross Income.
  • Pensioners: 3 months gross pension.