| Global
Access Card |
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Salient Features |
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- Pin Based -Maestro / Cirrus Debit Card
- Provides online access to savings or
current account.
- Accepted at all Domestic as Well as
International MasterCard™,Maestro™,Cirrus™
Enabled ATM's and Point Of Sale locations.
- Accepted at National Financial Switch
(NFS) ATM's.
- No Transaction Fee at JK Bank ATM's
- No Transaction Fee on purchases
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| Empowerment
Credit Cards |
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Customer
Benefits |
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- 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.
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Types of Cards |
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- Blue Empowerment Card
- Silver Empowerment Card
- Gold Empowerment Card
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Acceptability |
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- All Merchant Establishments like shops
who honor MasterCard™ Credit Cards.
- All ATM's which accept MasterCard™
Credit Cards.
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Eligibility |
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- For Salaried -Above
 80,000.00
- For Self Employed -Above 1,50,000.00
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Documentation |
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- Income Proof
- Address Proof
- Identity Proof
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Credit Limits |
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- Blue Empowerment Card- Upto 25,000.00
- Silver Empowerment Card-Upto 50,000.00
- Gold Empowerment Card-Upto 1,00,000.00
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Rate of Interest |
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Annual Fee |
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- 300
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Renewal Fee |
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- 250
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Add-on Card Fee |
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- 150
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Fuel Surcharge |
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Late Fee |
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- 100
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Cash Withdrawal Charges |
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- 2% per month from date of Withdrawal along with tranasctional
charges.*
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Gievance Redressal Officer |
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Most
Important Terms and Conditions (JK Bank Credit Card)
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One Time Password(OTP) for IVR transactions |
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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.
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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.
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How to obtain an OTP?
You can obtain the OTP by visiting http://www.jkbank.net/jksip.php 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.
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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.
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Top (*Conditions Apply) |
| Merchant
Acquiring |
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Features |
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- All types of Visa & MasterCard
based cards Accepted
- Can Extend American Express Card Acceptance
- Quick Merchant Payment
- Merchant Helpdesk and Onsite Support.
- Competitive Commision Rates
- No hidden Charges
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Charges |
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- On time Instalation Charges.
- Commision on per transaction basis.
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Documention |
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