JS Credit Cards - Tap into Convenience
Looking for a credit card that fits your lifestyle? Look no further than JS Credit Cards!
JS Bank offers one of the best credit card in Pakistan. With our online credit card, enjoy exclusive access to domestic and international airport lounges, plus incredible discounts and offers on everything from travel and clothes to dining and entertainment.
Ready to level up your lifestyle? Apply for a JS Credit Card today and unlock a world of exclusive benefits!
JS Credit Cards
JS Credit Cards are the ultimate solution to your spending woes. Our cards are designed with a purpose to solve day-to-day financial troubles. From instant cashback on necessary purchases, to amazing discounts and offers on travel, apparel & restaurants, to access to domestic and international airport lounges, we have got you covered with all this and much more!
You can apply for one of the following card variants:
آپ درج ذیل کارڈ کی مختلف حالتوں میں سے کسی ایک کے لیے درخواست دے سکتے ہیں:
JS Classic
JS Gold
JS Platinum
JS Signature
Features
JS Bank Credit Protector
Easy Installments
24/7 Call Centre
Balance Transfer Facility
Convenient Repayment Process
Global Acceptability
Kharchon Ki Problem #JustSolved
Tap & pay
JS Contactless Credit Card comes with embedded Chip and PIN technology for an added level of convenience. Just Tap & Pay wherever you want!
Discounts & Offers
Discounts are what we all live for! Therefore, we go above and beyond to provide you massive discounts on JS Credit Cards. We have partnered with the very best in the country to bring you incredible offers and discounts on your favorite dining outlets, apparel and lifestyle brands, travel partners, health and fitness gyms/clubs, recreational facilities, and services.
Convenience at your Tips
Discounts are what we all live for! Therefore, we go above and beyond to provide you massive discounts on JS Credit Cards. We have partnered with the very best in the country to bring you incredible offers and discounts on your favorite dining outlets, apparel and lifestyle brands, travel partners, health and fitness gyms/clubs, recreational facilities, and services.
Balance Transfer Facility
Transfer outstanding balance from other credit cards to your JS Credit Card and pay back in easy installments and minimal mark-up rates.
Purchase on JS Smart
JS Smart allows you to purchase countless home and lifestyle products through JS Credit Card and repay in easy installments(EMI). Visit now: www.jsbl.com/js-smart
We got you covered
Losing your card is no more an issue! JS Credit cards are covered against all theft, loss, and fraudulent activities. So be assured that you are completely covered. JS Credit Cards also come with Credit Protector to protect you and your family in case of death and disability.
Cash on Installment
You can advance up to 75% cash against your credit limit and pay back in easy installments.
Ever wondered why every Credit Card that you owned has focused on giving you discounts at fancy restaurants and expensive shopping outlets that you seldom visit? While, your real problems of spending remain unsolved. No more!
JS Credit Card comes as a solution to all your spending woes. With instant cashback offers and discounts on day-to-day expenses, your Kharchon ki problem is ought to be solved by JS Credit Cards.
FAQs
Q1. What categories are included in the campaign?
Q2. From when can customers avail the cashback/discount?
- Fuel – Active
- Grocery, Utility Bills, Education fee – 1st Jan 2023
- Travel – Coming soon
Q3. What is the percentage offering on all use cases?
| Fuel | 3% |
| Grocery | 1% |
| Utility Bills | 5% |
| Education Fee | 10% |
Q4. How many times can we make a transaction in a day or a month?
Q5. What is the amount capping?
*Fuel per transaction cap of 3% or PKR 225/- whichever is lower
**Variant Wise Cap on Cashback is applicable as per Calendar Month.
Q6. Is it a discount or cashback?
Monthly Capping on Card (amount in PKR)
| Description | Cashback % | Classic | Gold | Platinum | Signature |
|---|---|---|---|---|---|
| Education | 10% | 1,000 | 2,000 | 3,000 | 5,000 |
| Fuel | 3% | 1,000 | 2,000 | 3,000 | 5,000 |
| Grocery | 1% | 1,000 | 2,000 | 3,000 | 5,000 |
| Utility | 5% | 1,000 | 2,000 | 3,000 | 5,000 |
*Fuel per transaction cap of 5% or PKR 225/- whichever is lower
**Variant Wise Cap on Cashback is applicable as per Calendar Month.
Q7. How to avail the cashback?
Fuel
- Customer spends at any fuel service station on POS with JS Credit Card
- Customer gets the cashback in their card account and a text message that states the amount
- Customer also gets an email and it reflects in the monthly bill
Groceries
- Customer spends on any grocery outlet/store on POS with JS Credit Card
- Customer gets the cashback in their card account and a text message that states the amount
- Customer also gets an email and it reflects in the monthly bill
Utility Bill
- Customer pays utility bill through the website or on POS (electricity, gas, and water) with JS Credit Card
- Customer gets the cashback in their card account and a text message that states the amount
- Customer also gets an email and it reflects in the monthly bill
School fee payment
- Customer pays school fee online or on POS with JS Credit Card
- Customer gets the cashback in their card account and a text message that states the amount
- Customer also gets an email and it reflects in the monthly bill
| JS Credit Card Variants | Classic | Gold | Platinum |
|---|---|---|---|
| Credit Card limits | PKR 99,999 | PKR 349,999 | PKR 2 Mn |
| Annual Fee | PKR 4,000 | PKR 6,000 | PKR 10,500 |
| Annual Fee for Supplementary Cards | PKR 1,650 | PKR 2,500 | PKR 4,500 |
| Annual Fee Reversal | Reduced fee will be charged on spending within 1 month | ||
| CIP Lounge International | No | Yes | Yes |
| JS Lounge Domestic | No | No | Yes |
| APR – Cash Advance/Retail Transaction | 48% /49.9% | 48% /49.9% | 48% /49.9% |
| Annual Fee Reversal | Reduced fee will be charged on spending within 1 month | ||
| BTF – APR | 36% | 36% | 36% |
| Credit Protector – Insurance against natural death and disability | 0.48% of outstanding amount | ||
| Minimum Salary Required | PKR 40,000 per month |
Automatic Payment: Funds are auto-debited from your linked JS Bank account on the statement Due Date
Payment Ease: Choose Minimum or Closing/Full Balance payment instruction
To avail the facility, call 021 111 654 321.
Important
- Ensure your linked account has sufficient funds one day prior to the Due Date to avoid Auto Debit Rejection Fee.
- You can make partial or full payments before the defined Due Date through any other channel. If you make a partial payment, the remaining balance will be automatically debited on the Due Date from the linked account. If you make a full payment, no further payments will be recovered.
- Do not make payments through other channels on the defined Due Date, as the system will still recover funds from account on Due Date, leading to duplicate payments. In case funds are not available in Account then Auto Debit Rejection Fee will be charged in addition to other charges/fees as defined in the Bank’s SOC.