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JS / Personal / Consumer Finance / JS Credit Card

Credit Card

JS Credit Cards are designed for your lifestyle providing convenience and outstanding service. Enjoy access to domestic and CIP lounges, and get amazing discounts and offers on travel, apparel, restaurants, and much more!

You can apply for one of the following card variants:

JS Classic Credit Card
JS Gold Credit Card
JS Platinum Credit Card
JS Signature Credit Card

Apply Now Deals and Discounts Instant Cashback
Attractive
Discounts
Supplementary
Cards
JS Bank
Credit Protector
24/7
Call Centre
Balance
Transfer Facility
Convenient
Repayment Process
Dispute
Form
World of
Privileges

Key Features

Attractive Discounts: Get amazing discounts from different vendors across Pakistan.

Supplementary Cards: Get up to 6 supplementary Credit Cards for your family and specify the credit limit for each card

JS Bank Credit Protector: Credit Protector takes care of the outstanding amount due on your JS Bank Credit Card in case of any unfortunate incident*

24/7 Call Centre: We’re available 24/7 to guide you or answer any questions you may have. Just give us a call on 021 111 654 321 or email us at [email protected].

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

Convenient Repayment Process: 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.**

*This insurance is underwritten by EFU Life Assurance Limited, and is charged at only 0.48% of your monthly outstanding balance.
**Please ensure you mention your JS Bank Credit Card number on the slip. Please allow up to three working days for same city clearance and seven working days for out of city clearance.

JS Credit Card Variants
Classic
Gold
Platinum
Credit Card limits PKR 99,999

PKR 349,999

PKR 2 Mn
Annual Fee PKR 2,750 PKR 4,500 PKR 8,000
Annual Fee for Supplementary Cards No Annual Fee - Up to 6 Supplementary Credit Cards
Anuual Fee Reversal It can be reversed on spending within 60 days
CIP Lounge International No Yes Yes
JS Lounge Domestic No No Yes
APR - Cash Advance/Retail Transaction 45% 45% 45%
BTF - APR Up to 28% Up to 28% Up to 28%
Credit Protector - Insurance against natural death and disability 0.48% of outstanding amount
Minimum Salary Required PKR 35,000 per month