JS / Personal / Consumer Finance / Credit Card

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:

Features

Introducing the New Look of JS Visa Credit Cards

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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!

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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.

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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.

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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

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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.

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Cash on Installment

You can advance up to 75% cash against your credit limit and pay back in easy installments.

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

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