Jammu and Kashmir Bank Credit Card Customer Care

The Empowerment Credit Card series offered by Jammu & Kashmir Bank comprises three tiers: Blue, Silver, and Gold. For any concerns or inquiries about your credit card, a round-the-clock customer assistance helpdesk is accessible. Multiple channels are available for contacting the bank regarding credit card matters.

Jammu & Kashmir Bank Credit Card Customer Care Numbers

Here are the contact numbers for any inquiries related to credit cards:

  • 0194-2486424
  • 0194-2486427
  • 0194-2486149
  • 0194-2486151
  • 0194-2482463

Additionally, the bank has established a 24/7 Customer Care Centre accessible through a toll-free line at 1800 890 2122 or 91194 2481936 /2481953.

Jammu & Kashmir Bank Email Address Details

For any concerns regarding your credit card, you have the option to email the bank at

[email protected]

Jammu & Kashmir Bank Credit card Enquiries

Lost or Stolen Card:

  • Solution: Immediately report the lost or stolen card to the bank’s customer service helpline to block the card and request a replacement.

Unauthorized Transactions:

  • Solution: Contact the bank’s customer service to dispute unauthorized transactions, which might involve canceling the charges and securing your account.

Billing Issues or Discrepancies:

  • Solution: Reach out to the bank’s billing department to clarify and resolve any billing discrepancies or errors on your statement.

Credit Limit Increase/Decrease Requests:

  • Solution: Contact the bank’s credit card department to request a limit adjustment, providing necessary details and reasons for the change.

Rewards or Points Redemption Queries:

  • Solution: Get in touch with the rewards or loyalty program department for assistance with redeeming points or understanding rewards policies.

EMI Conversion or Payment Plans:

  • Solution: Connect with the bank’s finance department to inquire about EMI options or payment plans available for your credit card transactions.

Technical Issues with Online Banking or Mobile App:

  • Solution: Contact the bank’s technical support team to troubleshoot and resolve any issues with online banking or the mobile app.

Jammu & Kashmir Bank Credit Card Grievance Redressal

If you encounter any grievances, complaints, or queries related to Jammu & Kashmir Bank credit cards, the bank has specific procedures for redressal. For processing a grievance, the bank requests customers to provide comprehensive details, including their name, credit card number, contact information (phone and email), transaction reference number, and complaint ID.

Here’s the process to file a grievance:

Level 1: Grievance Feedback Form

Initiate the process by posting your grievance on the bank’s website through a dedicated link. Fill in your personal and contact details along with a detailed message regarding your credit card grievance. The bank aims to respond within 7 working days. If your grievance remains unresolved, escalate the issue to the Nodal Officer.

Level 2: Contacting the Nodal Officer

If you don’t receive a response within 7 working days or find the resolution unsatisfactory, escalate the matter to the Nodal Officer. The list of Nodal Officers and their contact details can be found on the bank’s official website.

Level 3: Grievance Nodal Officer for Credit Cards

Should your grievance persist even after level 2, contact the Grievance Nodal Officer specifically designated for credit cards. Send an email to [email protected]. For unresolved grievances from the customer helpline level, reach out to the Card Issuing and Acquiring Department at the Corporate Headquarters using the details provided below:

Jammu Kashmir Bank Nodal Office Details

Location Name
Nodal Office Location
Kashmir Central I Zonal Office

M.A Road Srinagar 190001(J&K)

Phone(LL): 0194-2471042

2452658, 2471723, 2484008.

Email: [email protected]

Kashmir Central II Zonal Office

Industrial Estate Zainakote,

Srinagar 190012(J&K)

Phone(LL): 0194-2497735,

2497736, 2497734

Email: [email protected]

Kashmir North Zonal Office

Amargarh, Sopore 193201(J&K)

Phone(LL): 01954-223595, 223596.

Email: [email protected]

Kashmir South I Zonal Office

J&K Bank Building

Pulwama 192301(J&K)

Phone(LL): 01933-241204, 242226

Email: [email protected]

Kashmir South II Zonal Office

Bakshiabad Kulgam 192123(J&K)

Phone(LL): 01932-2227340

Email: [email protected]

Jammu Central I Zonal Office

Rail Head Complex Jammu


Email: [email protected]

Jammu Central II Zonal Office

Kathua Near Forest Protection


Hatli Morh Kathua 184102

Phone(LL): 01922-234663

Email: [email protected]

Jammu North I Zonal Office

Khan Plaza Building Doda 182202


Email: [email protected]

Jammu North II Zonal Office

Adarsh Colony Udhampur 182101


Email: [email protected]

Jammu West Zonal Office

Opposite Tehsil Office

Main Market Rajouri 185131


Email: [email protected]

Write to Jammu & Kashmir Bank

You have the option to correspond with the bank using the following address details:

Mr. Rajesh Kumar Chibber,
Interim Chairman and Managing Director,
The Jammu & Kashmir Bank Ltd.,
Corporate Headquarters,
M.A. Road,
Srinagar, J&K

FAQs related to Jammu and kashmir Bank Credit Card

Q. How can I report a lost or stolen credit card?

A. To report a lost or stolen credit card, immediately contact the bank’s customer service helpline or use the designated 24/7 toll-free number provided on the back of your credit card. Request to block the card and inquire about the process for obtaining a replacement card.

Q. How can I check my credit card statement or transaction history?

A. Access your credit card statement and transaction history through the bank’s online banking portal or mobile app. Log in to your account using your credentials and navigate to the credit card section to view recent transactions, pending payments, and current statement details.

Q. How do I dispute a charge or transaction on my credit card statement?

A. If you notice an unauthorized or incorrect charge on your credit card statement, contact the bank’s customer service immediately. Inform them about the disputed transaction, providing necessary details such as transaction date, amount, and merchant information. The bank will initiate an investigation into the dispute.

Q. How can I increase my credit card limit?

A. To request a credit limit increase, get in touch with the bank’s credit card department or customer service helpline. Provide relevant details, such as your income and spending patterns, to support your request. The bank will review your account and may approve a limit increase based on its policies.

Q. What should I do if I encounter technical issues with online banking or the mobile app?

A. If you face technical difficulties while using online banking or the bank’s mobile app, contact the technical support team through the provided helpline or email address. They will guide you through troubleshooting steps or address the technical issues affecting your access to banking services.