Jammu, Feb 19: Reinforcing its focus on digital innovation and customer-centric banking, Jammu & Kashmir Bank today unveiled a comprehensively revamped suite of credit cards tailored to meet the evolving preferences of its expanding and diverse customer base across the country.
Managing Director & CEO Amitava Chatterjee formally launched the upgraded credit card range at the Bank’s Jammu Divisional Office in the presence of Executive Director Sudhir Gupta, CGM (Business Development) Sunit Kumar, General Managers, DGMs and other senior officials. CGM (Operations) Imtiyaz Ahmad Bhat joined the event virtually from the Corporate Headquarters along with senior officers. Divisional, Zonal and Cluster Heads from across the country also participated through video conferencing.
The revamped portfolio comprises three distinct variants — Platinum, Platinum Privilege and Eminent — each designed to cater to specific customer segments, spending patterns and lifestyle aspirations.
Speaking on the occasion, Amitava Chatterjee said the enhancement of the Bank’s credit card bouquet forms part of its broader strategy to establish itself as a contemporary, pan-India digital banking partner. “This upgrade reflects our sustained and strategic focus on strengthening the Bank’s digital product suite. As customer expectations evolve rapidly, particularly among younger and digitally savvy generations, we are committed to offering products that deliver enhanced rewards and lifestyle benefits,” he said.
Highlighting the Bank’s growing customer base in its core geographies and its expanding footprint across the rest of India, the MD & CEO underscored the need for continued investment in digital capabilities aligned with emerging consumption trends.
“Credit cards today are more than mere payment instruments; they are enablers of experiences. Through curated milestone benefits, accelerated reward structures, travel and lifestyle privileges, and competitive forex pricing, we aim to make our cards attractive and value-driven, especially for young professionals, entrepreneurs and tech-savvy customers,” he added.
Commending the teams involved in developing the competitive product suite, he urged operational heads to actively promote and market the revamped cards, describing them as a significant opportunity to deliver best-in-class features and a differentiated banking experience.
Earlier, General Manager (Digital & Alternate Channels) Nishikant Sharma briefed the gathering on the rationale behind the upgrade and the backend preparations undertaken for a seamless rollout. Incharge (DAC) Humaira Mushtaq presented detailed insights into the features and benefits of the new cards.
Among the offerings, the premium “Eminent” card is targeted at affluent customers and features competitive forex charges of 1.99 per cent, welcome benefits, milestone rewards on high quarterly and annual spends, complimentary domestic and international lounge access, personalised services, golf privileges, dining and entertainment offers including “buy one get one” movie benefits, and accelerated rewards on travel, dining, apparel and electronics purchases.
The base “Platinum” card is positioned as an everyday card for families, offering an annual fee waiver on achieving Rs 1 lakh annual spend, welcome benefits, quarterly milestone vouchers on spends above Rs 75,000, accelerated rewards on online transactions, pharmacies, department stores and utilities, along with domestic lounge access and monthly lifestyle benefits.
The “Platinum Privilege” card, designed specifically for government employees, comes with zero joining and annual fee, welcome benefits, 1.99 per cent forex charges, quarterly milestone vouchers starting from Rs 30,000 spends, complimentary domestic lounge access each quarter, monthly lifestyle discounts and fuel surcharge waivers, along with accelerated reward points on higher monthly spending.
