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Jammu & Kashmir Bank Credit Card Reward Points

Credit card reward points are bonus points that reward you for using your credit card each time. You are entitled to redeem your reward points for either a product or a service. Jammu & Kashmir Bank provides a reward program where the customer can use their newly acquired reward points for redemption.

How to get Credit Card reward points?

People might be reluctant to use credit cards as the interest rates might keep adding up and creep up on you by the end of the month. But using credit cards has its ups too. Credit card reward points are something to look forward to when you are constantly using your credit card. The more you spend on your credit card, the more you reward points add up in your account. For instance, purchasing a television using your credit card versus buying your groceries will give you a huge difference in your bills. While you would have earned a lot of reward points, while buying the television, you wouldn’t have earned much credit points for the milk you bought at your supermarket.

Jammu & Kashmir Bank Reward Program

The reward program is an evergreen program. But like all other reward programs, Jammu & Kashmir Bank credit card reward points have an expiry date. Reward points expire after one year if the customer didn’t have 500 or more reward points accumulated in their accounts. Every time you use your credit card in India or abroad, you will earn one reward point on every Rs. 200 charged on the card except on fuel purchases. Reward points can also be earned through special promotional offers that are given by Jammu & Kashmir Bank. You can redeem these reward points for payment of annual fee or for a wide range exchange of gifts. Minimum reward points needed for redemption is 500 points. For more information on how the credit card reward points work for Jammu & Kashmir Bank credit cards, the 24-hour customer service at the bank will help out.

Jammu & Kashmir Bank Credit Cards

Jammu & Kashmir Bank provides three Empowerment cards: Blue Empowerment Credit Card, Gold Empowerment Credit Card, Silver Empowerment Credit Card. These credit cards have a variety of features that could be exploited.

Features and Benefits of Jammu & Kashmir Bank Empowerment Credit Cards

  1. Free credit period that ranges from 20-50 days is given by Jammu & Kashmir Bank, where within this period of time you wouldn’t be charged any interest.
  2. Credit facility is available at competitive rate of interests.
  3. There is a 24-hour customer assistance at Jammu & Kashmir Bank helpdesk.
  4. There is an EMI schemes on credit card purchases; To provide a term loan for purchase of services or merchandise by using credit cards, customers who don’t have any past dues and those who have a valid credit card are only applicable.
  5. Cash withdrawal facilities up to 20% of the total credit limit are given.
  6. You can share benefits of your credit card with your family members through Add-On cards.
  7. Jammu & Kashmir Bank credit cards are currently being accepted at many e-commerce websites.
  8. You also get a 2.5% fuel surcharge waiver when using your credit card at fuel stations that accept Master Cards.

Jammu & Kashmir Bank Gold Empowerment Credit Card

If you’re prone to regular shopping sprees or always up for dining exquisitely at the finest restaurants or travelling regularly to explore the world, then Jammu & Kashmir Gold Empowerment Credit Card is the card for you.

  1. Both salaried and self- income customers are eligible to apply for Gold Empowerment Credit Card that is being offered by Jammu & Kashmir Bank
  2. 1. Salaried individuals would need to have an annual income of more than Rs.80,000.

    2. Self- income individuals would need to have an annual income of more than Rs.1,50,000.

  3. A credit limit is up to Rs.1,00,000 for Jammu & Kashmir Bank Gold Empowerment Credit Card.
  4. There is a huge array of gifts from which the customer can choose from by redeeming reward points.

Jammu & Kashmir Bank Silver Empowerment Credit Card

The Silver Empowerment Credit Card is hoarded with many exciting lifestyle benefits which can be used by the customers. Features and benefits related to shopping, travel, entertainment and dining is in heaps.

  1. Both salaried and self- income customers are eligible to apply for Silver Empowerment Credit Card that is being offered by Jammu & Kashmir Bank
  2. 3. Salaried individuals would need to have an annual income of more than Rs.80,000.

    4. Self- income individuals would need to have an annual income of more than Rs.1,50,000.

  3. A credit limit is up to Rs.50,000 for Jammu & Kashmir Bank Silver Empowerment Credit Card.
  4. Cardholders are entitled to redeeming reward points in exchange for a wide variety of gifts.

Jammu & Kashmir Bank Blue Empowerment Credit Card

Blue Empowerment Credit Card having a lot of benefits and features for shopping and other personal needs, is something to look out for.

  1. Both salaried and self- income customers are eligible to apply for Blue Empowerment Credit Card that is being offered by Jammu & Kashmir Bank
  2. 5. Salaried individuals would need to have an annual income of more than Rs.80,000.

    6. Self- income individuals would need to have an annual income of more than Rs.1,50,000.

  3. A credit limit is up to Rs.25,000 for Jammu & Kashmir Bank Blue Empowerment Credit Card.
  4. Reward points can be redeemed for certain gift merchandise provided by Jammu & Kashmir Bank.

What are the fees and charges that are needed to be paid by the cardholder?

All the three empowerment credit cards have a common fee structure and the charges are the same too.

  1. The annual fee to be paid is Rs. 300 and the renewal fee is Rs. 250.
  2. The add-on card fee is Rs. 150 and the late fee is Rs. 100.
  3. Cash withdrawal charges of Rs. 50 – 100 is charged
  4. Service charges of up to 2.5% per month is charged

FAQs: Jammu & Kashmir Bank Credit Card Reward Points

1. When will my reward points expire?

Reward points expire after one year if the customer didn’t have 500 or more reward points accumulated in their accounts. So, as soon as you have enough credit points in your Jammu & Kashmir Bank credit card, it is recommended to use them once a year so that they don’t get wasted.

2. How much should I spend to get 1 reward point?

To get 1 reward point you need to spend Rs. 200 using your Empowerment Credit Card, issued by Jammu & Kashmir Bank. This is not applicable for fuel purchases.

3. What do I get in exchange for my reward points?

Jammu & Kashmir Bank provides you with a wide variety of gifts in exchange for your credit points. You can redeem them as soon as you have a minimum of 500 credit points in your account.

4. Can I share the benefits of my credit card with other people?

Your credit card benefits can be shared with your family members through Add-on cards.

5. Is there a limit of how much I can spend on my Silver Empowerment Credit Card?

There is a credit limit of Rs. 50,000 for Silver Empowerment Credit Cards issued by Jammu & Kashmir Bank.

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CreditMantri Finserv Private Limited

CIN No

U72100TN2012PTC085154

IRDAI Registration Number

CA0665

Valid Till

01-Aug-2025

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