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
Key Benefits of JS Bank Credit Cards
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.
Excess Over Limit (EOL) Facility
The EOL facility enables customers to exceed their assigned credit limit by 5%, typically for occasional, unforeseen, or emergency needs.
While this feature offers added flexibility, it incurs a fixed over-limit fee when used. Please note that the fee is event-based and only applied when the total outstanding, due to principal, fees, or financial charges, exceeds the assigned limit. Not all enrolled customers are charged this fee; it applies only when the EOL threshold is crossed.
Get 5% back – instantly! Treat yourself with cashback on education, fuel, and grocery.
| Category | Cashback and Capping | Variant-wise Monthly Capping | |||
|---|---|---|---|---|---|
| Classic | Gold | Platinum | Signature | ||
| Education | 5% Cashback per transaction | 500 | 1,000 | 2,000 | 3,000 |
| Fuel | 500 | 1,000 | 2,000 | 3,000 | |
| Grocery | 500 | 1,000 | 2,000 | 3,000 | |
- T&Cs apply.
- Variant-wise capping on cashback is applicable as per calendar month.
- The bank may dishonour/reverse cashback on more than 5 transactions in a day on any specific category.
- The bank reserves the right to dishonour/reverse cashback based on the findings or misuse of cards.
- The bank reserves the right to discontinue or change cashback promotion at any point in time.
FAQs
Q1. What are the categories?
Q2. How many times can we make a transaction in a day or a month?
Q3. What is the amount capping?
Q4. Is it a discount or cashback?
Q5. 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
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 | up to PKR 3 Mn |
| Annual Fee | PKR 5,000 | PKR 8,500 | PKR 15,000 |
| Annual Fee for Supplementary Cards | PKR 2,000 | PKR 3,500 | PKR 6,500 |
| Annual Fee Reversal | Reduced fee of Rs. 1,200 will be charged on spending of Rs. 25,000/- within 1 month of card activation | Reduced fee of Rs. 1,800 will be charged on spending of Rs. 50,000/- within 1 month of card activation | Reduced fee of Rs. 3,100 will be charged on spending of Rs. 100,000/- within 1 month of card activation |
| CIP/Other International Lounges | As per credit card variant qualification on VISA airport companion app | ||
| JS Lounge Domestic | No | Yes | |
| APR – Cash Advance/Retail Transaction | 48% /49.9% | ||
| BTF – APR | 36% | ||
| Credit Protector – Insurance against natural death and disability (optional) | 0.58% of outstanding amount | ||
| Minimum Salary Required | PKR 70,000 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.
- Wide merchant acceptance worldwide
- Secure transaction systems for safe payments
- Regularly updated usage benefits to enhance cardholder experience
- Digital convenience with easy online management
- Customer-focused support for queries and assistance
- Multiple discounts and instant cashbacks
These features make JS Bank cards one of the options considered for the best credit card in Pakistan, especially for users seeking reliability and practical daily use.
Q: What is a JS Bank credit card?
Q: How can I apply for a JS Bank credit card online?
Q: Is JS Bank credit card accepted internationally?
Q: What makes JS Bank one of the best credit cards in Pakistan?
Q: Who is eligible for a JS Bank credit card?