Debit Cards - Global Access CardPin Based -Maestro / Cirrus Debit Card
Provides online access to savings or current account.
Accepted at all Domestic as Well as International MasterCard,Maestro,CirrusEnabled ATM's and Point Of Sale locations.
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.
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.
Types of Cards
Blue Empowerment Card
Silver Empowerment Card
Gold Empowerment Card
All Merchant Establishments like shops who honor MasterCard™ Credit Cards.
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 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.
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.
Using your J&K Bank Credit Card is extremely simple. After making your transaction or availing of the service provided by the Merchant Establishment, present your J&K Bank Credit Card.
Upon processing your Card transaction, the Merchant will request you to sign a charge slip (refer to the image alongside). This contains details about the amount to be billed to your J&K Bank Credit Card. Please check and confirm that all details have been correctly filled in.
Should you wish to leave a tip or miscellaneous charge, you can do so by filling in the same on the charge slip. After filling in this section, in the interest of your own safety, we recommend that you write out the total amount in the charge slip before signing.
Please ensure that you sign on the charge slip in the same way you have signed on the reverse of the Card.
The Merchant Establishment will return the copy of thebill(s) and the charge slip along with your Card. Please match the amounts before leaving the establishment.
It is recommended to retain your copy of the charge slip and the corresponding bill till such time as the amount is reflected in you Card billing statement.
Please note: Jewellery and Electronics charges are approved selectively in the first six months of membership.For any assistance, please call the J&K Bank 24-Hour Customer Care Centre which can be accessed through Toll Free line 1800220600 or 0194-2481936.
Your Monthly Credit Card Statement is a statement of accounts with a summary of transactions made through your J&K Bank Credit Card for the previous month, giving the details of the transactions made through your Card, during the period.