Credit Cards
Global
Acceptance
With
the JS Bank Credit Card, you can shop anywhere! Get a globally accepted card
with a high withdrawal and spending limit.
Supplementary
Cards (6 Cards)
Get
up to 6 supplementary Credit Cards for your family and specify the credit limit
for each card.
Balance
Transfer Facility
Transfer
your current Credit Card balance or your personal loans to your JS Bank Credit
Card! Call us on 021 111 654 321.
Cash
Back Reward
Get
Cash Back on Retail Transactions.
Credit
Protector facility (optional)
Credit
Protector takes care of the outstanding amount due on your JS Bank Credit Card
in case of any unfortunate incident.
Auto
debit facility (optional)
Opt
for Auto-Debit payment or fill out a deposit slip and deposit the cheque/cash
at the teller counter/ put it in in the drop box at any JS branch.
Utility
Bill Payment Services
Pay
Utility bills and Mobile Topups from JS
Bank Credit Card.
Attractive
Discounts
Get
amazing discounts from different vendors across Pakistan.
Classic
Get
the JS Bank Visa Classic card upto 99,999 PKR Limit.
Gold
Get
the JS Bank Visa Gold card starts from 100,000 upto 349,999 PKR Limit.
Platinum
Get
the JS Bank Visa Platinum card starts from 350,000 upto 2,000,000 PKR Limit.
Signature
Get the JS Bank signature card limit as up to PKR 4 Million.
1.Classic
Annual Fee (Basic Cards):
Classic: Rs. 3000 (waived on spending of Rs. 7,000 within 2 months of annual card renewal, on customer request).
Annual Fee (Supplementary Cards):
Classic: Rs. 1,400 (waived on spending of Rs. 7,000 within 2 months of annual card renewal, on customer request).
Card Replacement Fee:
Classic: PKR 600.
2.Gold
Annual Fee (Basic Cards):
Gold: Rs. 4,500 (waived on spending of Rs. 10,000 within 2 months of annual card renewal, on customer request).
Annual Fee (Supplementary Cards):
Gold: Rs. 2,250 (waived on spending of Rs. 10,000 within 2 months of annual card renewal, on customer request).
Card Replacement Fee:
Gold: PKR 1,000.
3.Platinum
Annual Fee (Basic Cards):
Platinum: Rs. 8,000 (waived on spending of Rs. 15,000 within 2 months of annual card renewal, on customer request).
Annual Fee (Supplementary Cards):
Platinum: Rs. 4,000 (waived on spending of Rs. 15,000 within 2 months of annual card renewal, on customer request).
Card Replacement Fee:
Platinum: PKR 1,400.4.Signature
Annual Fee (Basic Cards):
Signature: PKR 9,500 and reversal on spending of 25,000 within 60 days.
Annual Fee (Supplementary Cards):
Signature: PKR 4,500 and reversal on spending of 25,000 within 60 days.
Card Replacement Fee:
Signature: PKR 3000.5.Other
Charges
ANNUALIZED PERCENTAGE RATE (APR): 45% APR on retail purchases or cash advance.
BTF: Up to 28% APR on balance transfers.
Cash Advance Fee (per transaction): 3% or Rs. 1,500 whichever is higher.
Balance Transfer/ Cash on Call Processing Fee: Rs. 800 per Transfer.
International ATM / POS Transaction: 4.5% of Transaction Amount.
Credit Protector: 0.48% of monthly outstanding balance (optional).
JS Installment Plan Processing Fee: Rs. 600.
JS Installment Plan Cancellation / Pre adjustment Fee: Rs. 850.
|
Individuals |
Details |
|
Salaried Individuals. |
1. Pakistani Nationals having CNIC/NICOP |
|
Self-employed individuals. |
|
|
Relationship Based Customers |
For Signature Card
- High Net Worth Individuals
1.Salaried
Individuals
Age Criteria:
21 to 65 Years for salaried individuals.
Supplementary:
Minimum 18 Years No Maximum Age Limit.
Monthly Net Income:
Minimum: PKR 35,000 (salaried individuals).
Length Of Employment (Salaried):
HBC (History Based Customer).
Permanent: Currently employed for 01 Month.
Contractual: Currently employed 06 Months.
NTI (New to Industry Customer).
Permanent: Currently employed for 03 Months.
Contractual: Currently employed for 06 Months.2.Self-employed
individuals
Age Criteria:
25 to 65 Years for self-employed individuals.
Supplementary:
Minimum 18 Years No Maximum Age Limit.
Monthly Net Income:
Avg Bal for HBC: PKR 75,000 (self-employed individuals).
Avg Bal for NTI: PKR 100,000 (self-employed individuals).
Length Of Employment (Self Employed Businessmen/Professionals/Others):
Self Employed Businessmen: Total Business tenure of 02 Years.
Self Employed Professionals: Total Experience/Business Tenure of 01 Year.
In case of SEP, a copy of professional degree is required.
3.Relationship Based Customers
Age Criteria:
21 to 65 Years for salaried individuals.
25 to 65 Years for self-employed individuals.
Supplementary:
Minimum 18 Years No Maximum Age Limit.
Monthly Net Income:
Employee Banking: PKR 30,000.
Avg Bal for HBC: PKR 75,000 (self-employed individuals).
Avg Bal for NTI: PKR 100,000 (self-employed individuals).
Length Of Employment (Employee Banking Segment):
No minimum employment requirement for Employee Banking segment – should be currently employed and 1 salary credit in JSBL is mandatory.
If EB Relationship tenure is less than 3 months of the company, then Salary Slip required.4. For Signature Card
Have deposit relationship as a private banking customer
Salaried
Individuals
1. CNIC/Nicop/POC/Smart ID.
2. Salary Slip/ Salary Certificate.
3. 6-months Bank Statement.
1. CNIC/Nicop/POC/Smart ID.
2. 6-months Bank Statement.
3. NTN Certificate.
What
is the maximum turnaround time of a clean case?
A
normal clean application is processed within 10 business days from the login.
How
to avoid discrepancies?
1. Fill out the application form properly.
2. Avoid over writing/cutting on application form.
3. Fill the form with ballpoint pen.
4. Ensure the required income documents are provided.
5. Attach copy of CNIC and CNIC is not expired.
6. Addresses and contact details are provided properly.
7. Add nearest landmark of address if available.
8. Consult the RCM in case of any ambiguity.
Things
to Avoid?
Avoid mis selling and mis commitment.
Do not commit if you are not sure about anything.- Not Applicable.
- Not Applicable.