• Chip and Pin Based - Mastercard Debit Card
  • Provides online access to savings or current account.
  • Accepted at all Domestic as Well as International MasterCard™, Enabled ATM's and Point Of Sale locations & Ecommerce Websites.
  • No Transaction Fee at J&K Bank ATM's
  • No Transaction Fee on Purchases
  • No Transaction Fee on Ecommerce Websites
  • 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
  • To use the facility, you would:
    • Connect to the Internet and shop online using your J&K Bank Credit Card.
    • You don't need any special software to use MasterCard SecureCode.
    • Using this facility is as easy as using a PIN for ATM transactions.
  • Grievance Nodal Officer for Credit Cards
    • Mr. Parvez Ahmad
  • 24 Hour Customer Assistance at J&K Bank Helpdesk
Click here to Acquire MasterCard Securecode for your Credit Card. 

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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.

  • 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.